BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on or about XXXX I called Capitol one to get advise to have XXXX XXXX added as an account manager to aid me when I was out of the country. Capitol one tried to get me to add XXXX XXXX to my account and give him a card. While talking to Capitol one on speaker phone with XXXX XXXX with me I refused to had him to my account or have him have a card. At that time XXXX XXXX already had 2 credit cards under his name with Capitol one. The person acknowledge it he was authorized to talk to Capitol one when I asked him to to resolve any issues just as someone at a company would have that option to clear up any matters. 

Where I go cell phone service it weak to none, landline are far and few. In fact I had an issue prior to having XXXX XXXX added as an account Mgr Capitol one would not talk to him they advised him to have me call collect. That does not work in the XXXX I tried I got the look go away they think I'm scamming them to make a call to the XXXX make them pay, THEY DO NOT UNDERSTAND THIS CONCEPT.. was stuck and screwed over by Capitol one. 

I also found out from XXXX XXXX that YOU CFPB Refused to help him out and Colluded with Capitol one helping them cover up their Gross Error and their Lies. 
XXXX. Capitol one has NEVER mailed anything OR called OR Left any messages of any sort to XXXX XXXX Per your report that you closed on him. Because of this Capitol one is still screwing up his credit report with my Credit Card that HE IS NOT AUTHORIZED TO USE. You sit there and tell him he is lying and so am I, when both of us were with the Capitol one rep as witnesses to their Fraudulent lies to force themselves on to his credit report. You get this fixed or I'm going over Your Head. XXXX XXXX is only an account manager to assist me when I can not. Do you get my understanding? this is my ONLY and FINAL WARNING. Capitol One Rep Steve over the phone told XXXX XXXX they unlawfully added him to my account without my Knowledge and forced a credit report under his name, that is FRAUD and ILLEGAL. Fix or or else. YOU WORK FOR ME NOT CAPITOL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've received 3 phone calls and now they are mailing stuff to my address for my son who has not lived with me in 5 years. I told them on the first phone call he doesn't live here and I don't even know if he has a phone. I told them the same thing on the second phone call and told them to stop calling me. They've attempted to call my husband several times while he was at work and couldn't answer. They called a third time and I told them I was over their harassment. They are mailing things to my home that look like junk mail that are bills for my son. The company calling is XXXX XXXX in XXXX, FL.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Monarch Recovery Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, a federally protected consumer and I am making a complaint against Monarch Recovery Management , Inc. regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, and this alleged debt continues to remain on my consumer reports with no regards to how this affects me. First, I would like to state that I have never given Monarch Recovery Management , Inc. any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences, I have still not validated any alleged debt with Monarch Recovery Management and while I have not validated such a claim of debt this, in turn, it can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX, MONARCH RECOVERY MANAGEMENT, INC., and myself, giving Monarch Recovery Management any right to collect on this alleged debt. It is my belief that Monarch Recovery Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint is towards paypal, On XX/XX/XXXX I was arrested and was incarcerated until XX/XX/XXXX when I was released I was trying to log in to my pay pal cause I know my department of labor benefits was deposited on there when try doing so I couldnt I call pay pal and they said my account is lock due to collections I was confused because I was supposed to have XXXX in my account I try to explain to them the story they pass me around to two department one department wich is collection telling to contact limitations and limitations tell me to contact collections then it was they was going to put in an report for me and then I aint here from them in couple days so call them some one told me after 180 days I cant file a dispute so if something happen in your life cause we all aint perfect but u dont have access to it and someone take over unauthorized and use all your money u cant file a dispute I feel like thats not fair I even had the officer that file my report call them and he said they aint help him or told him nothing so I ask if I could send in documents they said no that I got ta pay XXXX dollars why should I pay when I didnt have control of my account cause I was in jail I just need someone to help me on what to do to retrieve my money back I already contacted department of labor and they said contact your bank and nobody tryna to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I did a dispute with Equifax on XX/XX/23 on XXXX XXXX that's on my credit report I was told to fax over my paperwork showing that I paid full XXXX XXXX XXXXXXXX. On XX/XX/23 my dispute was complete so I call on XX/XX/23 @ XXXXXXXX XXXX and I spoke with XXXX XXXX and he told me that I owe XXXX XXXX the money because that's what they say in the report. I told him to look at the receipts that I sent in and he would see that I paid in full. I ask for a supervisor and I ask the supervisor who I'm I spoke with and he wouldn't give me his name and he was so rude to me about my dispute telling me that I owe XXXX XXXX and that's my bill and I need to pay them people because I owe them that young man was so rude to me I cry. I'm send a copy of the receipts that I fax to Equfiax showing them I paid in full XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
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 a XXXX document to Experian, XXXX and XXXX but have heard back after following up with all three bureaus via email and phone

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 2020-03-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  reported late payments on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 

This account has been paid in full.

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 2020-03-21
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 & XX/XX/20 I sent Formal Complaints/Letters To Equifax Information Services. The Letters Notified The Company that They Are Reporting Inaccurate Credit Information To My Credit Report And Asking Them To investigate and Or Verify The Inaccuracies. It Is now XX/XX/20 And The Company Has Failed To Respond With Investigation Updates Or Anything For that matter. They are not Holding Up To the Law. They are Reporting inaccurate information. & They Have Also Failed To give me Updates within 30 Days of The Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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, there was someone that hacked into my Navy Federal Credit Union online account, by using stolen credentials. Somehow the intruder was able to gain full access to the account without my knowledge and was able to send themselves a fraudulent wire transfer of {$1500.00} of my money. This money was sent to an account banking with XXXX XXXX, based in XXXX. I have tried to reach out to XXXX XXXX and they are not answering their phones. Navy Federal states that there is nothing that they can do except try and contact XXXX XXXX via mail, but by law, XXXX is not required to return the money, nor respond to their requests. Meanwhile, I am now experiencing financial hardship due to this and Navy Federal is not willing to return the money even though this was a security breach and complete security failure on their end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23
Company: John C. Heath, Attorney at Law, PLLC
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I had paid XXXX XXXX for several years for removing credit reporting errors on credit reports XXXX XXXX completely ignored XXXX XXXX in their efforts on my behalf. 

Apparently XXXX XXXX doesn't do anything on XXXX XXXX reports. I was denied credit from XXXX XXXX XXXX from a report from XXXX. 

When I filed a complaint with XXXX, about this, I was eventually sent a form from XXXX. ( XXXX XXXX ) And also received a report with no information included as to why my credit was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-24
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX Seedfi sold their loan agreements/debt to a company call XXXX without my knowledge, I made one payment with XXXX  on XX/XX/XXXX to try and stay on track with my loan payment, however I noticed that the payment never reported towards my loan or to my credit report so I stop making payments and tried to contact Seedfi. No one was able to help. Now here we are in XXXX and XXXX has reported to my credit stating my loan is 90 day past due with isn't true. I made two payments with Seedfi that haven't we towards my loan balance, those two payment were made on XX/XX/XXXX and XX/XX/XXXX. my three payment made to XXXX were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has stated that no payments were made with Seefi or their company with has negativity affect credit. i've called both companies and resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried several times to request my credit report and File its not excepting my verification information the information they are using is inaccurate I have attached my State IDentification card and social for verification

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports without my consent 15 usc 1681 section 602 i have the right to privacy 15 usc In accordance with the written instructions of the consumer to whom it relates Please remove

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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