BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I called wells fargo to file a claim due to there being over {$700.00} dollars overdrawn in my checking account that i did not make. The person in claims and i verified i did nit make alot of the charges. He said he would file the claim and send me a new card and account nmbr, which he did. The charges were all in XXXX. I waited XXXX weeks and called to get status on my claim, and they ssid it was denied. By now the amount was over {$900.00}. The letter i got said that i had to give my card info and pin number to family member, or authorized the use of my card to someone. Everything overdrawn in my checking is not by me, i will not pay it back, can you help me? My daughter and i were homeless XXXX yrs ago, i worked hard to start over, i can not afford this, i didnt do it.

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 2019-12-23
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PAYPAL ACCOUNT ID : XXXX Dispute regarding transaction : {$60.00} PAYPAL XXXX XXXX CH I had purchased a shoe rack from XXXX Details attached. 

As I bought it, I was asked to send money over via Paypal as a part of the checkout flow. Screenshot of order is attached. Since then I have discovered it's a scam website and the account is an offshore XXXX account. 

Instead of shipping the item to me, the seller shipped a XXXX item to a random address in XXXX , WA and claimed that they shipped the product. They shared a tracking number on XXXX XXXX for a date in the past : XXXX. This tracking number does deliver a random package in XXXX, WA. 

This tracking number was not sent to me. I have confirmed with XXXX that no such package has been delivered or shipped to my address. If paypal were to check they would get to know the same. 

This is a well known scam apparently : Buyer buys something via Paypal Scammer sends a random package to an address in city of buyer, usually a public address Buyer never receives anything and files chargeback via Paypal Paypal only looks at a tracking number and reject the claim INSTANTLY with no recourse. 

The XXXX weighs XXXX pounds, the XXXX package sent the next day was XXXX lbs and next day saver would have cost over a hundred dollars. 

The website itself is fraud and if Paypal had even done a second level investigation before denying my claim they would realize that this merchant 's account and all associated accounts need to be closed immediately. The website is probably redirecting money to different paypal addresses for this scam. 

Now Paypal itself is systematically letting this fraud go on since it doesnt train its agents properly. Despite sharing all this info in the claim, the agent roboticly rejected the claim without using their brain on what had happened : Case Resolution Decided in seller 's favour Adjudication reason Valid tracking info provided by the seller. 

I tried to escalate to a supervisor, however my email was met with an auto reply that they wont respond to emails and help center got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is reporting to agencies 3 collection accounts with active dates and missing company information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XXXX, yet XXXX  and Equifax would not let me do it. 

It is particularly strange that Equifax couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them since XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with Equifax, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Capital Accounts, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. ) Original creditor ( XXXX XXXX XXXX has been accepting payments ( and payments were made ) prior to debt in collection. I have repeatedly advised Capital Accounts that payments were being made to XXXX XXXX 's office and they were accepting the payments. 

2. ) I have paid {$650.00} of the original {$1300.00} 3. ) They keep calling my home after they have been instructed to cease communication. 

4. ) They are trying to charge interest, now, when the original debt is for dental procedures, which were NOT financed, and there is no signed agreement for interest with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX on my TransUnion Credit Report is reporting a payment made on this Charge Off account on XX/XX/XXXX for {$51.00} last payment made on this account was XX/XX/XXXX. This account has not had money sent to it from myself and has been in charge off status since XXXX. Each month they also report activity with Charge off/missed payment. The credit limit listed is {$1500.00} and they are reporting a balance of charge off is {$2000.00} I have disputed this account multiple occasions violating my consumer rights and this company still inaccurately reports damaging my credit score and 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 2020-04-22
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I've been trying for weeks to get a updated US bank XXXX by calling the XXXX XXXX on the back go through all the steps to be put on hold for a hr to get hung up on go on line cant get through go to the bank nothing cant get access to my funds thank you

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
transunion fail to reply to my disputes

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 2022-05-02
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: Their investigation did not fix an error on your report

Complaint:
I tried several times getting this issue removed with experian, experian has failed to investigate or remove these acoounts, these accounts has been fraudulent i have been a victim of identity theft i have submitted a ftc report and proof of my identity i connected them several times and nothing has been done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX.Is not correcting the errors when trying to dispute account that don't belong.The accounts are not mines, and I trying to get them remove offbmy 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 non-monetary relief
Consumer complaint received 2018-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
duplicate listing on my report. the debt was transferred to another company. I paid it but the original listing still appears on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Account information incorrect

Complaint:
XXXX XXXX Showing on my XX/XX/XXXX Credit report terms are revolving and hindering my credit score and report on a charge off account last payment on XX/XX/2018. It keeps reporting C/O each month making this account active 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 2021-12-16
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to this company by mail and also disputed this account on my credit report, They still not have validated this debt or shown any documents saying that I owe any debt to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account TransUnion reporting XXXX Account # XXXX Bal Date XX/XX/22 has violated my rights. 30 day late reporting is incorrectly appearing on the report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company 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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A DISPUTE. EQUIFAX BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EQUIFAX ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 explanation
Consumer complaint received 2021-12-16
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I receiveda letter today from KeyBank informing me of a clarification of " the terms of your XXXX account ending in -- --. '' This account apparentlyrepresents a prepaid debit XXXX -- which I do not have and did not open an account for. I'm naturally concerned about fraud. I did try to query Keybank by phone regarding this matter but found their system difficult to negotiate ; that is, without login info I could not access a customer representative. 

I did in fact send an email with the information above ( including the four digits of the account they sent me in the letter ) to a Keybank address but I'm not at all confident that it will reach the right person. 
.

Company response to consumer: Closed with explanation