BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Student Loan Solutions, LLC
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Student loan solutions LLC bought a portfolio of time barred debt from XXXX XXXX XXXXXXXX in XXXX. Most all of the loans they bought were from XXXX and XXXX. They are now suing the borrows in court over debt from 10+ yrs ago trying to get default judgements. In all the states they are suing on time barred debts. I had a loan with XXXX XXXX XXXX in XXXX. It was charged off in XXXX and my last payment was in XXXX. I receive a letter from XXXX XXXX XXXX XXXX XXXX out of XXXX KS in XX/XX/XXXX saying I owed {$6000.00}. I sent them a letter saying I contested it and wanted more information. They sent me a notorized letter from Student loan solutions stating the amount due, the date of the charge off ( XXXX ) and my last payment ( XXXX ). It also included the bill of sale from XXXX XXXX XXXX with no identifying information that they bought my loan but was dated XXXX. There was a affidavit from student loan solutions saying the terms of my loan and that XXXX XXXX XXXXXXXX often sells these loans. Again no identifying information. Copies of the original note. I received a court summons on XX/XX/XXXX that Student loan Solutions was suing me for the amount owed and I had 14 days to reply to the summons and a court date of XX/XX/XXXX. I hired an attorney as its a violation of the FDCPA yet they are being allowed to do it all over the country. Its against the Fair Debt Collection Practices Act for a debt collector to sue me for a time-barred debt and a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00}

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 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
With the help of my sister I managed to get a Capital One Quick Silver credit card to be used on my travel to XXXX XXXX XXXXXXXX XXXX to attend to business matters that had been pending since Covid in 2020. On arrival in XXXX I tried to get some foreign currency at an ATM and was denied. I later learned from my sister who is more familiar with banking policies that I probably should not have tried to get any foreign currency. After I took a taxi to my hotel in XXXX I could not use my card even for a regular transaction nor could I use it anywhere else. Repeated calls to Capital resulted in denial since they required proof of who I was that required me to photograph not only my Drivers license and my U. S. Passport, but my actual social security card which I, and for that matter, anyone else I know would ever consider taking on a trip unless informed and even then I would have reservations since it is so integral to security of my identity as a U. S. citizen. It has meant that my sister has had to put money in my bank account since my own finances have been pretty meager due to Covid. I explained all this to various employees and supervisor who all stonewalled when I explained the impossibility of producing my social security card but having no reservations for submitting other types of documents to their scrutiny. They claimed that that was their policy and there were no exceptions under any circumstances even when I explained and my sister confirmed from NY that not to do so would mean I could not use their card and would require a lot of effort on the part of my sister to help me out under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone, wallet with my debit card and credit cards, drivers license was stolen from me on XX/XX/XXXX in XXXX XXXX. When I arrived back to United States on XX/XX/XXXX I made claims over the phone to chase that included unauthorized charges. After their investigation they are claiming I made the purchases and denied my claim. They are unwilling to help me further. 
The unauthorized transactions occurred on XX/XX/XXXX. XXXX chase XXXX payments. XXXX of {$200.00} and another of {$220.00}. 
My mother called chase to freeze my account while I was in XXXX because the people who stole everything from me had access to my phone and my personal information they had access to everything. XXXX was unwilling to help until my account went negative and I wasnt answering my phone calls ( because my phone was stolen ). I had to get everything replaced all my cards and debit and unfreeze my account and they still claim it was me. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is going to be a long dissertation, so I will try to be brief but to the point. On XX/XX/XXXX, {$84000.00} was wire transferred out of my daughters saving account at Wells Fargo. This was unauthorized and bypassed all of our account safety methodologies available to us by Wells Fargo. 

Our computers were not " hacked '', we still had possession of our ATM / Credit Cards, etc.

{$60000.00} was able to be " stopped '' and returned. {$24000.00} ( that is the outstanding issue ) was transferred to a XXXX XXXX XXXX account and was closed before Wells Fargo was able to pull it back. 

Now the issue, Since the XXXX, I have talked to 8 different people, untold phone transfers, being told I got the wrong department, claim # 's were wrong and being hung up on. 

Now today, XX/XX/23, I got another new person and another " new '' claim number and was told the " dispute '' was pending and going to take another 10 days before there was any disposition. 

I need 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 explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, My boyfriend, XXXX XXXX XXXXnd I contacted SunTrust Truist Bank about our Home Morgage Loan that was in default, we had both been out of work for well over 2 years due to the pandemic and couldn't pay our mortgage, however when I contacted the bank, they instructed me to go on their website and download their paper work for their home Preservation documents, however when I done that, they denied us any help, they informed me that they couldn't help us because they didn't have time to review our documents, but we had started sending them our paper work the first week of XXXX but they kept stringing me along telling me that they had lost the paper work or that I needed to add another form until finally they sent us a letter saying that they couldn't help us. 
I even contacted the XXXX XXXX and ask them for help and they denied me any help as well. I just don't understand where the funds are going to that our government sent to these Programs to help people who are struggling, yet the ones of us who are really struggling can't get any help. 
Long story short, we are going to be out of our home, with no where to go and no one to help us, when I have seen people with my own eyes that have received {$11000.00} from these programs and they don't even pay rent. And then the ones of us who need their help, they turn their heads the opposite way, is it something personal, is their something I missed? Perhaps I should have lied to them like the other people and maybe they would have helped me. 
I feel like the bank forclosed on XXXX illegally while we were trying to get help and being reviewed for eligibility, they violated their due diligence and the Duel Tracking Laws. 
Please help us

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-11-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX and XXXX, 2019,, Cashcentral.com created an account using my personal information to disperse a loan of XXXX XXXX and XXXX $ to a fraudulent individual. Using my information, a fake email address and bank account a loan was made using my info. 
Per the collection agency the funds were transferred to a XXXX  XXXX XXXX account under my name. I do not or ever had had a XXXX  XXXX XXXX account other than credit cards. 

I check with the 3 credit bureaus and they have no record of Cashcentral.com even doing a credit inquiry. If they had they would have found that I have an alert on my identity for all of them due to prior identity theft issues. Further, cashcentral.com made no attempts to contact me or make me aware that and account was created nor any notices of payment due. 
Instead cashcentral.com turned it all over to a debt collection company ( XXXX ) who ultimately contacted me in XXXX demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Capitol One Transaction Support Center XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Account Number : XXXXXXXX XXXX Case Number : XXXX Reference : Erroneous Billing of {$88.00} to be credited back showing the final balance as XXXX. 
Dear Transaction Support Center Manager I am in receipt of my Master card bill as well as your letter dated XX/XX/XXXX. Copy attached I have my version of explanation against yours : 1-Lets say I made a purchase in the amounts as shown on Exhibit # 1 with my Capitol One Card 2-Due to an issue with my purchase I called Capitol One to dispute the charge.

3-Capitol one representative after talking to me called the merchant directly and I received the credits directly from the merchant, eliminating any Capitol One credits as Claimed by Capitol One Evil Genius Hence there is no upfront advancing the money to give me any credits. 
The Exhibit # 1 shows the details that no Capitol One credits were given during my transaction. 
Method # B to prove that your claim of upfront advancing the money is fraudulent : 4-Suppose Capitol One gave me a credit of {$88.00} plus {$4.00} check?? I dont know why? ( Ex # 2 ) I dont know where the surplus came from? nad again yet a demand for {$88.00} 5-Then my account balance should be money available to me of {$88.00} ( after the dust settles ) but it never happened and shows a fraud of {$88.00}. I was very cautious in restricting or stopping all transactions on Capitol One card, which I will close as soon as I settle this matter.

Capitol one is a FRAUD BANK and I will report them to Federal Agencies to take action and shut them down.I need immediate resolution and clearing my account showing XXXX balance and close my account as of today. 
Regards -- XXXX XXXX, XXXX - XXXX XXXX XXXX State of Oregon CC :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Notice to Correct Credit Report Yo whom it may concern Please consider this a formal request to investigate and correct the following inaccurate hard Inquiry items on my credit report. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Dates of hard inquiries that need to be removed, Company Names & Numbers XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX If you guys need anything from me, feel free to contact me anytime!

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 2019-10-03
Company: Harpeth Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a notice from The Business Services Division, and Secretary of State XXXX XXXX from the State of Tennessee in XXXX. In reference of Harpeth Financial Services/LLC DBA Advance Financial, of a court summon for a lawsuit in the amount of {$990.00} plus court cost and private process server fees. My court date is scheduled for XX/XX/XXXX. I was clearly a victim of predatorial lending, and this debt was a result of predatory lending. I was told to just e-sign my signatures on a tablet and was misinformed about the terms and never told about interest rates.I think this debt is about 3 or 4 years old, and I just recently filed for chapter XXXX bankruptcy this year. I was unaware of this debt when I filed for bankruptcy it was never on my credit report. If I can recall I only received maybe {$150.00} to {$200.00} from this company. Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00}

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