BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX Update : Now the credit freeze site take me to a page requesting that I complete a freeze by mail instead of a generic credit report request page.

Still unacceptable. I have found statements from Experian stating that this is a security precaution and intentional ; however, this makes it more difficult to freeze my credit to protect against fraud than it is to take out a new line of credit! This is completely unreasonable and makes absolutely no sense.

I have easily placed a freeze with XXXX  and XXXX  online through their respective websites ( although the XXXX  service was down last night ).

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: Paypal Holdings, Inc
State: ID
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 is locking my wife out of her money and telling us that it will take 6 months to get it. This was the 1st and last time she will be using PayPal On the XX/XX/2020her Aunt send her {$150.00} for her Birthday and to help out the family during this time She receivedd the money in PayPal and they ask for my wife to send her Id in and she did but then they just locked her account and told she could no longer use PayPal no real reason but they will not release the money or refund it back to Her Aunt. Now here is the kicker we are not the only one. PayPal has locked out Thousands of People from their account and their money for no reason some have been using PayPal for years. PayPal is using XXXX and and XXXX to talk with People and if you say something they don't like they will delete your comment, but still they is thousands of comment telling the same story over and over " PayPal is holding my money and locked my account. Many of these People need that their money are like myself we are not working and friends and family are help them out only to have PayPal steal their funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
my business i was running came to a haunt when my son was turned to online education which caused chaos in my life and the start of form filling for ever care act and taxes all while having the kid learning from the get go at home. i received a call from ally bank who was trying to act as a collector and told him according to the news CoVid-19 I am defecting payment for 120 days. Ally rep stated he understands and would handle it. i receive more calls, a letter, changes to credit report stating that this never happend and from a conversation from employee at ally bank yesterday. i said why was it not he stated he agreed on phone and that was it so I asked for a copy providing proof this has been done as well as documentation to restore my credit rating the previous rep screwed up from not doing his job. This is rediculus im at mercy of a anothe rindividual who cant do what was told on the phone and i am having to waste more time stress with credit ratings and what not only to regurgitate the same XXXX we discussed back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: MD
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:
Fraudulent activity reporting misleading information. Daily reporting is extremely misleading

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 2019-11-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : Citibank Credit card number : XXXX XXXX XXXX XXXX Credit Card Holder : XXXX XXXX Based on the Fair Debt Billing Act ( FCDB ) I disputed unauthorized charges totaling {$9700.00} on my credit card account number referenced above. I requested that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. These credit card charges took place in a period of five days ( XXXX XXXX XXXX, 2018 ). Upon discovering these charges, I immediately reported them to Citibank and my account was closed. These charges were done online and Citibank is not able to provide proof of debt. Instead, they just provide the billing statement as proof of debt. I've written to Citibank twice, regarding my dispute of these charges. The written disputes were sent on XX/XX/2018 and XX/XX/2018 to : Citibank Citibank Customer Service Attention : Fraud Department/disputed chargesXXXX XXXXXXXX XXXX XXXX, SD XXXX. To this date, my account has been sent to collections and my credit reporting has been impacted. 
I am in desperate need of your help. 
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 explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2021 I sent a letter, by certified mail, requesting original instrument of indebtedness in its original form to Sallie Mae which of delivered on XX/XX/2021. The letter also asked for a response back on or before XX/XX/2021 ; no response was given. On XX/XX/2021 I sent another letter via certified mail requesting the instrument of indebtedness in its original form and requesting a response on or by XX/XX/2021, which was delivered XX/XX/2021 ; no response was given. On XX/XX/2021 I sent two notarized affidavits of mailing including copies of both letters requesting the above matters which was delevered XX/XX/2021 ; requesting the original instrument of indebtedness in its original form or the matter be settled legally and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Credit Card Acquisitions Group
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company contacted me, my partner, my brother, and my aunt on XX/XX/2021. I blocked the number after advising them to stop contacting me. 

They sent an email to myself on XX/XX/2021 and claimed to be working for XXXX XXXX XXXX. They text my father and myself on XX/XX/XXXX. 2021. 

They refused to provide me a statement or verify the debt. I contacted XXXX XXXX XXXX and they advised that they no longer own the debt on XX/XX/2021. They advised me who the new owner was. 

I contacted both XXXX XXXX and Foster and Monroe to request to verify my debt and requested to be provided a statement on XX/XX/2021. They have not replied. 

On XX/XX/2021, they contacted me again by text at XXXX XXXX. My father got the same message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NY
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:
On my equifax credit file I found account from XXXX XXXX services with remaining balance of {$6700.00} and account mark as joint and never had this XXXX account and ask equifax to remove this account from my credit file they open dispute conformation # XXXX after 7 days equifax send me letter that they verified account and failed to provide prove that account belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
Experian is reporting several unauthorized inquires 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 2022-03-14
Company: Sequium Asset Solutions, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greeting, I would to file a complaint and a Dispute against the company name XXXX XXXX XXXX  and debt collection company sequium assest solution, recently I had a debt collection for the amount of {$1000.00} for services for a company name XXXX XXXX  which i never had account or any services with the company and its seems a been fraudulent. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is a XXXX XXXX debt with account # XXXX & XXXX on my XXXX and transunion credit report along with XXXX XXXX  XXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2019-12-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Midland Funding LLC, as we speak has been order to cease and to and stop, it has been order to stop by a Government Dept and has been found that the information is incorrect by TransUnion and taking off the record, yet this company has continued to call using over 4 to 5000 robo calls and has violated my civil rights, by going to court without a summons and the figures now over thousands of dollars. Even thou its a fraud and dont exist. Its is hard to get a lawyer, they want money before they would get involve, Im even on the National Do Not Call Registry, phone number ending in XXXX on XX/XX/2011, havent stop calling since the 31days from the registration date, they think its a joke ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is absolutely misserable to work with. I had them freeze my credit report two years ago. They issued a 10 digit pin. I have my PIN and can provide it to them, but they don't provide anywhere to enter it. Now they are not using the PINS and I have spent 1 hour trying to work with their miserable automated phone system. This company should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received a statement from HSBC having period XX/XX/XXXX to XX/XX/XXXX. This is the only statement I received since I opened an account on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX XXXX ( the name may not be correct ). I asked to reimburse $ 50 monthly fee for the entire time ( more than 2 years ). He said that since the account was closed, nothing he could do other than reaching out to his supervisor. He gave me a reference number of XXXX. He told me he would send an email to his supervisor and copy me. 

On XX/XX/XXXX I called and talked to XXXX? since I haven't heard anything since XX/XX/XXXX. She offered to text XXXX to ask him to call me about my maintenance fee refund. 

I called again on XX/XX/XXXX and spoke to XXXX and was told that nothing she or HSBC can do since the account is closed. None of the 3 agents would reopen my account to facilitate my request. I asked XXXX to give me a phone number to complain. She said that I would need to find the help on my own. 

I didn't know that HSBC charged me a high monthly maintenance because HSBC never send monthly statement. I never used the checking service other than having direct deposit. I think it's reasonable to have HSBC to reach out to me that my account has been charged $ XXXX because my account balance is not high enough to have the fee waved. I leaned on XX/XX/XXXX that {$75000.00} is the minimum balance to have maintenance fee waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a XXXX XXXX CC holder since XXXX of XXXX. Spent a bunch of money and loved shopping there. I had my CC on auto-pay and never had an issue. Just paid some off every month. I assume when there is an issue with auto pay, they try and call, unless i get a new bank account or debit card, in which case i should call. I was checking my credit report in XXXX of XXXX and i saw a late payment from this card on there. I was SHOCKED. I have never missed a payment on anything at that point. So i called, paid my FULL balance as soon as i could and asked what happened. Turns out, in the month before, my account was sold to XXXX XXXX and because of that, my auto pay was turned off. I had NO idea about the transfer OR that my auto pay would be turned off. I told the lady on the phone this and she could not help me, she just told me to dispute it with Capital One. I did, i told them exactly what happened and they told me to go XXXX myself essentially. This stinks. I was looking to refinance my house and this mark, at the time, dropped my credit score XXXX points! This was not my fault. I have PLENTY of money and would NEVER miss a {$80.00} a month payment, if i had known I had to switch my card. They said they sent me a notice via USPS and I NEVER received it. This is unfair. Since then, while the account has stayed open, I am scared to use it because I do not trust this company 's practices when it comes to this situation, if it were to ever happen again. I also LOVED to shop at XXXX XXXX. Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation