BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: One Source Technology
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
They keep putting stuff on my background report that goes pass the expected time needed in order for me to obtain a job.For example my job only goes 7 years back on a background check but they put stuff on there from 15 years and 13 and 11 years back that is negative and purposely trying to hender me from receiving employment. Im ready to sue them for discrimination damages and violating my cares act rights. Its totally damaging to a persons future and its unfair to a person that has changed their life around and they bring up things not even needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I processed a purchase with a seller through Paypal, 2 hours later, the seller refunded the purchase because the order form has not been filled out correctly. The seller has issued refunds numerous times with other clients and paypal has always processed the refund the way it was received. However, paypal changed their default refund method to echeck which apparently takes 7-10 business days to clear the sellers bank and up to 30 days to be refunded to my account. I contacted paypal immediately when I noticed the refund was not processed right away. I have messaged them every day since XX/XX/XXXX and the seller has messaged them as well. They refuse to issue the refund immediately and hide behind this excuse. They get to hold on to my money for possibly a month a mower and make money off of me. Their representatives have lied about when the funds would be issued back to my account. I was told it would be on the XXXX and they told the seller that as well. The funds are still not in my account and they are back to saying it could take up to 30 days. Because of their size, they think that no one can fight them or do anything to hold them accountable for their deceiving business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX  and they have no record of me or any accounts with my SSN. This is not my account!

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 2021-11-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$730.00} XXXX XXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXX-Balance {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have never had a delay in available credit when I make a payment to my credit card. I made two payments to my credit card at XXXX. I paid {$350.00} and {$75.00}, and need to use the card right away. There is all of the sudden a delay in the available credit. Then, when I placed a call to customer service the person who picked up the phone at the XXXX number put their supervisor on the phone and the supervisor said " there is no way I can possibly help you at this time '' and did not even know when the payments would be available for use. I was also told that my line of credit is over the limit by more than {$75.00}, which it is not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company name is HealthCare Receivables Group.

I woke up one morning to check my bank account. Only to find on my credit report 159 new accounts opened in my name. Apparently they opened debt collection accounts in my name with multiple duplicates. We're talking some charges duplicated as much as 15 or possibly even 20 times. 

Which also inflates the amount owed and makes the amount of credit owed appear greater than it actually is. This is a direct attempt to sabotage my credit after I've told them to stop contacting me. And they contact me nearly daily. Sometimes two or three times a day as well. 

I do not believe these multiple duplicate charges to be " accidents '' they're not being paid, they've been told not to contact, and they break pretty much every single protection that a consumer is supposed to have from being harassed. 

Also when they contact to collect they lie about the nature of the call. 
When you ask what this is in regaurds to they state and this is a direct quote : " It's in regaurds to a personal business matter for ( insert x ) '' Not at any point disclosing this is an attempt to collect a debt. Or even the name of their own company. They don't even disclose that. 

As a result it now looks like I owe 160 creditors and it's 1 SINGLE company. 
It also looks like I owe about XXXX when it's probably more like XXXX. If that even. 

Anyone that thinks about using this collections agency don't. You're literally giving them license to harass your clients. Because that's all they do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TD BANK US HOLDING COMPANY
State: NV
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:
XX/XX/XXXX  it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On  XX/XX/XXXX  I  was ordered by a judgement of contempt to pay  my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around  XX/XX/XXXX  At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of  XXXX  paid in full. All  XXXX   Credit  reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n  XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
First of all, I received the first bill in months after I complained that my online access has been blocked and my credit usage blocked, eventhough I had never failed in their payments. So, on this bill I received I am being charged a late fee for no reason. I have automatic payments set up through my bank and I only see a payment of XXXX credited from XXXX. However, after that payment I have made a total of XXXX in payments and none of those are reflected on this statement. The bill due is only XXXX. Yet the bill says I am past due XXXX. In addition, the account number is totally wrong. I attempted to call to resolve and the XXXX number listed for customer service is just a spam number offering me vouchers. 

How can I solve any concerns? My online access is blocked, I have not received bills, and there is not a valid number where I can reach out. My credit card should not have been taken away and if I had selected paperless then my online access should not be blocked. Until I am done paying, I am still a customer.

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 monetary relief
Consumer complaint received 2017-06-13
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y  XX/XX/XXXX the  debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or   XXXX   XXXX   on   XXXX   XXXX   XXXX   around   XXXX   XXXX   EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: SC
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 have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX : {$1200.00} fraudulent and unauthorized charge ( dated XX/XX/XXXX ) was first reported to the Credit Card Customer Service phone line as soon as it was first discovered when I received the credit card statement ( XX/XX/XXXX closing date ) XX/XX/XXXX : Written notice of the discovery of this fraudulent and unauthorized charge sent on XX/XX/XXXX to Credit Card Services via US Postal Service Certified Mail XX/XX/XXXX : Received written notice from Credit Card Customer Service ( dated XX/XX/XXXX ) that they are investigating fraud claim. 

XX/XX/XXXX : Received system generated letter from Security Operations dated XX/XX/XXXX that they deny they claim of unauthorized use, and have rebilled the charge of {$1200.00}. 

XX/XX/XXXX : Also received credit card statement ( XX/XX/XXXX closing date ) showing the rebilling and requesting full payment of the {$1200.00}. 

XX/XX/XXXX : Called Credit Card Customer Service phone line, who could only confirm that the charge was rebilled to account, and could not take further action. 

XX/XX/XXXX : Called Credit Card Security Operations who only responded that their internal investigation was closed, that they deny my claim of unauthorized use of the account, and that the charge is rebilled and payment expected. 

XX/XX/XXXX : Written notice sent via US Postal Service Certified Mail that I disagree with their assertions. My position is still that the {$1200.00} charge dated XX/XX/XXXX is both fraudulent and unauthorized. I am the only authorized user on that account, I never set foot in that store on any day in XXXX, and I did NOT authorize or execute that charge. 

XX/XX/XXXX : Filed initial complaint via Consumer Financial Protection Bureau ( 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 monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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:
Attached you will find screenshots of 15usc1681a I need all inquiries deleted permanently from my reports as well as any closed accounts and information that is not updated on all 3 bureaus the same way This includes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And any other information that goes against the consumer me

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 2017-06-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
<P/>
After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
<P/>
I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, TransUnion and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 TransUnion has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 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 2017-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a  XXXX  Veteran who is on a fixed income. I have been a member of  USAA  for over 10 years and the level of service and malice to the   XXXX   XXXX  community  and veteran community should be widely addressed. I have never had an issue with them until recently when my monthly deposit was made to the account and I was unable to retrieve my funds. Without warning of written notification, my account was locked due to me owing them {$35.00} in my savings account, which I was unaware of but would have gladly rectified earlier on if I knew it existed. So to my surprise when I called to get the matter handled I was told that I have to w ait 3 business day s in order to use, withdraw or pay any bills from this account. No matter how far up the chain of command I went even to the point of tears. No one can help me. Its set in stone the computers would not allow them to override it. I express to them that this is all the money that I have and that I have my monthly bills coming out of this account, so I asked them, will the checks that are about to hit my account cause my account to be overdrawn and will I be charged for it? and the answer was unfortunately yes. I even offered to make the {$35.00} deposit at a branch if that would speed up the process. And was told that I would still have to wait th e 3 bu siness days. I ca n't believe that a bank is allowed to freeze your monies in another account based off you owing in another??? is n't that what  XXXX   XXXX  just got penalized for their debt collection practices? As to date I was told to  wait the 3 working days, which today is Friday and does n't count, in order to retrie ve my funds. Ohh I was told an alternative was to open a credit card account with them and that can get me money faster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.

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 2019-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Walmart decided to replace my years old Walmart Mastercard provided by XXXX XXXX, which I would not be liable for unauthorized use. 
Walmart.capitalone.com sent me a replacement card ( same # as before ) which had the red/yellow circles like mastercard but did not have the words '' Mastercard ''  on the card for me to activate. Several pages ( 3 ) stating the revised changes for this new Capital One card, payments, interest, etc. everything was good to go. They did suggest I read the enclosed CAPITAL ONE World Mastercard Guide To Benefits, 10 pages of small print. 
Unauthorized use is now limited to {$1000.00} per claim, and a limit of one claim per 12 month period. 
Calls to Mastercard, told " NOT OUR CARD ''. 
Calls ( 4 total ), to Capital One finally got the card canceled. 

SOMETHING BAD WRONG GOING ON HERE, BUT I AM FINISHED WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
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: Account information incorrect

Complaint:
There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file

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