BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: Harley Davidson Financial Services Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Harley Davidson Financial Services call me and my fianc multiple times a day, including Sundays at XXXX and XXXXXXXX XXXX just to tell us we are late on our payments. We know. We have spoken to HDFS and told them we were struggling to make the payments since we were hit with a pretty big financial struggle just months after buying the motorcycle. We tried to do a voluntary repossession, and HDFS would NOT allow us to do so, at which point we said, then we will pay what we can every month until we get back on our feet financially. They call REPEATEDLY from different numbers, to where I have had to block every single number associated with HDFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Self Financial Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS AND THEY HAVE NEVER DONE THIS OR BEEN AS XXXX WHEN IT COMES TO CUSTOMER SERVICE. 

THEY STOPPED ALLOWING ME TO USE MY CREDIT CARD WHICH WAS THE ONLY FORM OF MONEY I HAD FOR THE WEEKEND OF WHICH JUST PAST AND THEY DID SO IN A FASHON THAT IS DISCUSTING. DISCUSTING NOW ON MONDAY THE CSR IS STILL BEING CONDESCENDING AND REQUESTING MORE DOCUMENTS LIKE I, AM DOING SOMETHING NOBODY HAS EVER DONE.

I, AM NOW THEY ARE BEING ACCUSATORY IN NATURE AND I DO NOT APPRECIATE THE EVEN THOUGHT. THIS COMPANY SHOULD BE FINED AND I WILL BE PAYING AND REMOVING ALL MY BUSINESS AS QUICKLY AS POSSIBLE WITH A XXXX  COMPLAINT AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 been trying to close my PayPal account for several weeks now ( after the scam they facilitated in my previous complaint ). 

The website has presented several obstacles ( providing bank account information, etc ), which I've cleared. 

For the last week, the website has said the account can not be closed, but only references ambiguous reasons that I can't track down. 

So, I initiated customer service conversations in their messaging portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The one on XX/XX/XXXX had a rep ask me to confirm my email address ( why? ) and then the conversation was " closed '' so I could not reply. 

So I initiated another customer service conversation on XX/XX/XXXX, referencing the previous one. This one was closed with no reply I've initiated a third customer service conversation, but at this point, I'm at a complete loss. PayPal could not be more obnoxious in their refusal to close my account if they tried, and I'm not at all sure they aren't trying to be. 

ALL I WANT IS TO TERMINATE MY RELATIONSHIP WITH PAYPAL, BECAUSE THEY HELP PERPETRATE A SCAM. PAYPAL IS REFUSING TO LET ME CLOSE MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
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: Their investigation did not fix an error on your report

Complaint:
All three credit bureaus are illegally publishing an unverified Bankruptcy on 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 2018-08-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
FDCPA Violation. 
The company has sent me a threatening letter claiming they have a Judgement on a case which is currently pending. They have included the Court File Number ( XXXX ) to make it seem more convincing. They are attempting to collect {$1900.00}, which is an amount more than what they initially allege was owed. 

Within the letter is a Financial Disclosure Form which I have already responded to in the negative in my response to them in discovery. 

The Actors in this violation of FDCPA are : XXXX XXXX, General Manager ( who may not be a real person ), XXXX XXXX XXXX XXXX XXXX. 

And California Attorneys for Plaintiff : XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX SB # XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX  XXXX SB # XXXX ( Attorney on filing ) XXXX XXXX XXXX XXXX SB # XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: N.A.R., Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Problem North American Recovery is reporting I still have a debt. The amount is {$220.00} North American Recovery is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with XXXX XXXX XXXX XXXX XXXX XXXX who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and North American Recovery report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent North American Recovery the below documents and they still have not done anything about and is still report that it is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX  XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have never applied for any of these things and they are NOT my inquiries at all.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2023-03-21
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
So I was having struggling to make payments as usually winter months I don't make as much due to my profession. I informed Upgrade regarding this and asked for some help or deferment of some kind. They informed me that there was but just to do it online which I did. I set up it up back in Late December I believe for both credit lines. I always had auto pay set up so I didn't think there would be a problem with that. 2 months ago by and I get a call from upgrade saying no payments have been made. I was unaware of this and found out through the rep that auto pay was not turned on during deferment I needed to make a payment manually. Also I was not notified I was late or calls made to me at all After this they sent me email about settling both accounts. Gave me different options and had a deadlineby XX/XX/XXXX to answer. I call about week ago from today ( XX/XX/21 ) and ask about this and if I can talk about a lower settlement at least with 12 months payments. A lady then a manager who is a younger guy both proceed to tell me that I do NOT qualify for settlement just yet. One account needs to full go into charge off at 120 days late and another needs to go 90 days late. Making my credit even worse, So not only because auto pay was not set up making me miss payments and was not notified I was missing payments or calls NOTHING, but settlement offers I'm getting I don't qualify and need to wait longer to settle. Deadline is XX/XX/XXXX for them. Essentially I have to wait til XX/XX/XXXX to do something on both accounts. I also got another email after this call with another settlement offer. 

I did not want to do this but I am not happy about this process and would like a better and immediate resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX I made a large payment to my student loan. I continued to make payments up until XX/XX/XXXX when I received a threatening phone call ( as well as my sister, best friend and father who have nothing to do with the loan ) that if I did not pay {$4000.00} by the end of the month, I would be sued. I was at that time told by the representative from Navient that my loan was in default and none of my payments since XX/XX/XXXX had been applied to my loan. At that time I pulled up all of my account records and bank statements which showed nothing that indicated there was anything wrong with my account and they had pulled the money from my bank. I contacted an attorney at that time as they have not stopped harassing me or my family and refuse to answer where my money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XXXX, there was a fraudulent charge by " XXXX '' placed on my Capital One Quicksilver credit card in the amount of {$140.00}. I have informed Capital One that this charge is fraudulent and have evidence showing so. Capital One has refused to remove this fraudulent charge from my credit card. 

Importantly, according to FTC Law, Capital one must provide me with documentation and proof that this charge is valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC.

I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that I made this charge, that it is valid and warranted, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of this charge, and that I made it, that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation and evidence that proves that this charge is valid and factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-10
Company: WSFS FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to my last complaint, Wilmington Savings Fund Society FSB, as Trustee of XXXX XXXX XXXX XXXX A denied all responsibility for the unwarranted eviction actions filed against me, shifting the focus to XXXX XXXX XXXX , XXXX ( Response Letter dated XX/XX/XXXX ). Yet so far, I have received motions asking the courts to extend enforcement of one of the wrongfully entered Eviction orders with Wilmington Savings Fund Society FSB named as Plaintiff. The motions are dated for XX/XX/XXXX and XX/XX/XXXX ( Motions are attached ). The evictions were filed under seal and are not viewable by the Public, and this is what deters most attorneys from assisting me in this matter. They complain that they can not research my case from their office. At any rate, Wilmington Savings Fund Society FSB, in concert with XXXX/XXXX  are falsely representing to me, the courts, and to the world that my Property has been transferred to a Third Party Purchaser. They did not, and can not provide any proof of an actual sale. XXXX/XXXX  didn't have a legal or equitable right to sale, transfer, or even foreclose on my Property. The Department of Justice found XXXX 's Foreclosures between XX/XX/XXXX and XX/XX/XXXX to be unauthorized. And XXXX XXXX XXXX XXXX, the non-bank subsidiary used to file the first 2 evictions in pursuit of void debt failed to execute the wrongfully entered possession orders filed with XXXX County Sheriffs XX/XX/XXXX and XX/XX/XXXX. Now the basis of these corporations ' claim is the unlawful quitclaim recorded XX/XX/XXXX. Their suits violate the Venue provisions of the federal Fair Debt Collection Practices Act and other actionable elements under the Act ( See 15 U.S.C. 1692i and Section 1692e ( 12 ) ). And they are a continuation of XXXX 's violations of State Consumer Fraud, the False Claims Act, and the FHA. State and Federal prosecutors successfully prosecuted XXXX and its related entities for the latter. My property is not subject to the unidentified trust agreement or unidentified sale that XXXX and Wilmington would have others believe. The underlying anti-consumer loan was securitized into XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, the unlicensed loaner never had a lawful lien attached to my Property in the first place, nor did its successor 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 2020-02-10
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: Their investigation did not fix an error on your report

Complaint:
I have a collection account in my credit report that is about seven years old and dont belong to me showing. Late payments every months the account was previously disputed and removed but for some reason was reinstated in my credit report I asked Experian to stop reporting this account in the late payment status since that is hurting my credit report month by month I asked Experian to provide me with the way they had verified this account however they had no do so

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