BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My situation is with Capital One Bank, I open an account few years back and I added my daughter on this account, she turned XXXX and start working, so apparently I added the social security wrong and I sent them a W9 with the copy of my daughter ID to fix this problem. They freeze the account on XX/XX/XXXX and they still have her money freeze. She need her money to pay her insurance and gas. They said wait 5-10 days and then when I Called they still saying that they still working on it. 
Please help me with this situation. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: LEXISNEXIS
State: WI
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:
On XX/XX/XXXX I sent my second certified letter asking for a method of verification on a bankruptcy that they are reporting incorrectly on my profile and reporting to the other credit bureaus they received my letter on the 11 and they had 15 business days to verify how the got this information and I informed them that it had to be from the original creditors which in this case would be the Wisconsin bankruptcy court I also sent them a letter from the bankruptcy court stating they dont report to any credit agencys or any 3rd party creditors so they are in violation according to the fair act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: IL
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:
I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

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 2023-01-07
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and XXXX placed a collection on my credit report in the amount of {$190.00}. I never received a written notice about this debt to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I rented a car, paid for the rental. A week after the car was returned and checked in with no issues, the rental car company charged the card again for a new transaction for {$110.00}. I tried multiple times to resolve this with Citi, but no one even looked at my complaint. The rental car company provided proof that I ordered and paid for the rental car, which was the authorized transaction not in dispute. They provided ZERO evidence that a second transaction was authorized on a different day or that this charge was valid under the previous contract, which was closed at the time of the charge. This additional unauthorized charge was fraud committed by XXXX. I later found out they have a horrible reputation for doing this. Citi made no attempt to communicate any reasoning behind why they kept refusing to honor my fraud claim. Very poor customer service and a joke of a dispute process.

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 2019-11-03
Company: EQUIFAX, INC.
State: NC
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 sent several letters regarding my accounts with Equuifax. They are nor reporting correctly and they refuse to remove these account. These accounts are fraud and they are not removing these and using stall tactics. I refuse to keep being a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an account with  PayPal  that has been locked because of a dispute for faulty merchandise. I followed all the  PayPal  steps to unlock the account to include sending a copy of my government issued  XXXX  card. Now PayPal is saying that is not good enough. PayPal wants me to send a copy of my  XXXX  card statement with the full account number. ( For security reasons the  XXXX  card statements do not include the full account number  XXXX  PayPal also wants a copy of my drivers license. They claim the  XXXX  card is not a valid government ID. Plus they want me to fax it to  XXXX .     I have spoke with  XXXX  card who advise for security reason not to send such information.     My concern is they will hack my account and steal my identity.

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 2017-09-01
Company: UNITED STUDENT LOAN SOLUTIONS
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX 2017 time frame wanted to look into other programs for student loan repayment. Thought I found a reputable agency called United Student Loans Solutions out of XXXX XXXX, FL. They had me fill out an application and contract which I have. Unfortunately, through this process I gave my personal identification information. Also, 2 paystubs from my current employer.
Thus far I have n't had any fraudulent activity, but I 'm hoping to stop something before it happens. At this time they have received {$460.00} from me via my debit card. I have notified my bank, they have cancelled the card, and I 've spoken with Identity Theft. I was advised by my current student loan company XXXX to get in contact with FTC ( done ), CFPB ( doing ) and my States Attorney General her in CT.
What has cautioned me to look into this is the fact they pulled funds from my account 3 days early last month, and I have tried numerous times to get a hold of them and nothing. Now their email is no longer valid, phone number of not in service and website no longer valid. There is one number that is assigned to a XXXX XXXX that rings and you can leave a message.
I would like to provide the contract, but nervous to have my information out ( again ). Please advise.
United Student Loan Solutions information : phone # XXXX Ph : XXXX Fx : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX  www.unitedsls.org email : XXXX Names : XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-03-24
Company: Bread Financial 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 XX/XX/XXXX someone other than myself submitted a credit inquiry for CommenityBank/Victoria. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have a problem with one of my Capitol One credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XX/XX/XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called capitol one and explained what had hapened. I filled a police report, I wrote a leter to capitol one explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
XXXX XXXX has removed anything negativity affecting our credit report and account but Equifax refuses to remove the negative historical payment history from report. We cant dispute it because their site says we have an error disputed this account already. Account was showing 180 days late in error and Equifax refuses to remove it. We have tried and failed several times to get Equifax to correct error all other reporting agencies have removed the error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Per the attached balance transfer letter from XXXX XXXX  dated XX/XX/2022, Apple Card-Goldman Sachs Bank received payment of {$250.00} against card ending in XXXX. Of course, 9 days later, the Bank has been intentionally negligent in posting this payment. Obviously, this is intentional so that the Bank can earn additional interest. The CFPB should investigate the payment processing practices of this Bank, led by a " so called '' individual who thinks he is an aspiring XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX  XXXX and XXXX XXXX 

We received an order from someone posing as a purchasing agent for XXXX University. 

They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them.

( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX  University. Everything  checked out. 

I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. 

Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. 

The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. 

My insurance policy has some sort of Cybercrime Protection as well. 

So far everyone is pointing the finger at me and telling me that they can't help me. 

Apparently the card was flagged as stolen back in 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 2017-04-15
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX therapy is trying to collect {$40.00} as a co-pay for the days I did not seek their services. I have called the XXXX facility in XXXX MA to clear the matter twice and was told both times that the charge was an error due to rescheduling conflict. However, I kept getting bills from XXXX. Recently I received a letter from Transworld systems inc about debt collection. 
I was a poor tactic from XXXX to forward this to the debt collector, while their XXXX MA branch kept telling me that the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
1. My purse was stolen in XXXX on XX/XX/XXXX. I reported this immediately to Citibank and had my card cancelled. No charges were attempted. I asked them to wait to send the new card. I called them on XX/XX/XXXX and asked them to send the new card to my US address. 
2. On XX/XX/XXXX I returned to the US, found my new card safely in my mail in a sealed envelope and activated the card. I used it for a few charges over the next two days. 
3. On XX/XX/XXXX, I flew from XXXX to XXXX XXXX. When I arrived, I had a message from the Citi Fraud Department. I called them back and they asked if I had purchased something at the XXXX store in XXXX that day. I insisted that I did not. They then said they would need to cancel the card, even though I had only had it for three days. 
4. A new card was sent out to me in California two days later and I assumed that was the end of the matter. The charge of {$1600.00}, followed by a credit in the same amount, appeared on my next statement. 
5. In XXXX, the charge appeared BACK on my statement saying 'security reversed. ' I called Citi who said that because I did not respond to a letter, they are now treating it as an actual charge. I called three different times to dispute this. Every time I had to start completely again explaining the situation to the nice people in the XXXX. But the charge was still not removed. 
6. On XX/XX/XXXX, I was able to get hold of someone named XXXX in the Security Department who assured me she could get it taken care of. I sent copies of plane tickets and rental car receipts to prove I was in the air at the time of the charge. 

The charge continues and every month finance charges are increasing. I refuse to pay this fraudulent charge and want Citibank held responsible for not obeying the laws.

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 2018-06-19
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company handles Perkins Loans for XXXX University. I have not been a student for over 4 years and I had all my student loans forgiven through XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX, I reached out to XXXX and gave them all the information regarding the XXXX approval and had a conference call with XXXX, XXXX and myself to have this taken care of then. Then, in XX/XX/XXXX of this year, I see that this loan was reported on my credit report in XX/XX/XXXX of this year. I called XXXX University and found out that XXXX is in charge of the Perkins Loans. After confirming with XXXX and XXXX that this reporting on my credit report was from a XXXX XXXX that was to be forgiven by XXXX over 2 years ago, I was asked by UAS to send over the approval letter again to show that I was approved. I sent them this documentation, along with the original email with them in XX/XX/XXXX. I was told by XXXX that this should have never been reported on my credit report and they would request that it be removed immediately on XX/XX/XXXX. After several emails and talking with experian, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to XXXX, every time I dispute this, they correct information instead of just accepting the dispute. I have several emails from XXXX saying that this account is handled by XXXX   and from XXXX  saying that this should have never been reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
Capital One closed my credit card and they are unable to give me any information except it " could be '' a past account where I was an authorized user. She gave me the last 4 digits of that account, but I am NOT an authorized user on any capital one account. She could not give me any further information. I have had my capital one card for over 10 years and have never had any issues. I have never been late on a payment of any kind, ever in my life. My fico is currently XXXX. I have credit back to XXXX, mortgage history back to XXXX, less than {$6000.00} in open revolving debt. I have been a mortgage underwriter for over 20 years with a large financial institution. My current XXXX is XXXX %. I pay my card off monthly as I am very educated about credit as I HAVE TO BE for my career. I know all about credit, lending, loans, fraud, suspicious activity, etc. I am at a complete loss as to why this card was closed. I am not even aware of an authorized user account with my name on it, yet my individual credit card has been closed because of it. And if I am an unknown an authorized user on a credit card, I would suggest they look into that because I am not aware of it, which is fraud. Also, authorized users are not responsible for the actual debt as stated in the terms and conditions of the credit card agreement.

Company response to consumer: Closed with explanation