BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting 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:
I received a bunch of hard inquiries from places I didn't authorize or do myself I don't know how it happened, but I called XXXX they told me it's nothing they can do and call the companies, but all the companies gave me the run around so now I'm filling a complaint against all of them to get these unauthorized inquiries removed as soon as possible.

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 2023-02-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX GA 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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..

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 2023-12-13
Company: AXOS FINANCIAL, INC.
State: NJ
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 I filed a dispute via the online portal with my bank ( Axos Bank ) for {$400.00} for an ATM transaction in which the machine did not dispense my money. 

On XX/XX/XXXX I was contacted via phone call by axos bank dispute team to collect information about the dispute. I was instructed to fill out the dispute affidavit and email it back as well as forward any helpful information that could aid in the investigation. I sent the affidavit back as well as a picture of the machine malfunction. XX/XX/XXXX I received a follow-up email stating that if the investigation could not be concluded within XXXX business days that I would receive a provisional credit for the disputed amount while they conduct their investigation. I was told I would be contacted with an update after XXXX business days On XX/XX/XXXX marks XXXX business days and I receive no credit or no follow-up email. I contact the phone line for Axos bank dispute team and kindly ask for my provisional credit and was told it would reflect in my account by the end of the business day. 

On XX/XX/XXXX I still receive no provisional credit and contact the phone line again. This time all I am told is my case is being worked on and my inquiry was forwarded to proper team. I had made a request to speak with a higher authority and was denied. I requested for an explanation as to why my consumer rights were being violated and no answer but " I advise you to just wait the 45 days sir '' is being given. 

On XX/XX/XXXX still no follow up email or provisional credit. It has been XXXX business days at this point and I believe this financial institution is flat out refusing to offer a provisional credit even though this falls under Regulation-E. I have no choice to submit my formal complaint in the hopes this is promptly handled. Any attachments provided is communication I've had regarding this dispute as well as proof to the dates that the affidavit was sent to them and the initial dispute was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX ... KOHLS DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm the first in my family to go to college on student loans. My other siblings went to community college and had financial aid that helped them out. My career path was different and I studied out of state. Since no one was able to guide me through student loans, I ended up taking out my first XXXX years of student loans from XXXX that were then moved to navient. When I graduated I went through a situation that caused me to move. I was kicked out, had no savings, was only a month into my new job. I called over and over again asking navient for repayment options and every time I was told I was not eligible for any other options other than forbearance. I took the option when it finally came down to paying back my loans because I could not make the payments of XXXX a month when my rent was XXXX. During my forbearance period I kept calling asking for options, tried refinancing, and no one would do anything just kept pushing forbearance. Come towards the end of the period finally they lowered my payments to XXXX, as a " interest payments only '' option. However my account would n't reflect this payment option and I 'm getting piled on with late fees. On top of that I keep getting charged twice a month instead of once a month making my payments XXXX. I keep fighting the second charges, and then they finally gave me my money back. However they decided to refund ALL my payments, and because of this they said I made no payments during my repayment option trial and that I would be in danger of getting taken off the program. Since these payments, my loans went from XXXX to XXXX. I tried to refinance with other services, which led no where because I never got the chance to build credit, I need a co-signer, but my only co-signer was my mother who is now on XXXX. Navient will soon take me off my repayment option because of a mess up on my account on their end. On top of it it 's not one big loan its about XXXX loans with 10 % interest rate on each.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2019 I got a Netspend prepaid card I used the card one time was waiting for them to send my new card XX/XX/2019 I got the new card I activated the card they said I only had XXXX but XX/XX/2019 I had put XXXX on the card I have call them at lest 10 time trying to get the problem fixed but for some reason they dont have any of my stuff right my Netspend app I have on my phone is right but they keep saying Im giving them the wrong number but the number I opened this card with is the only number I have then they keep hanging up on me they have sent me the wrong information on my online site and they are not trying to work with me the card numbers arent matching up

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 2023-05-08
Company: Frontline Asset Strategies, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This item does not belong to me. I sent out letters on XX/XX/2023 regarding this item along with others. Its been way over 30 days since I heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX, XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BARCLAYS BANK DELAWARE
State: SC
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:
Barclay took over credit from XXXX for the XXXX XXXX XXXX. Barclay issued a new card that I never activated ( ending in XXXX ). I received a bill for what they said was a balance transfer to that card. I pay all of my credit cards in full each month, and I have never done a balance transfer. After hours of trying to get this corrected/removed over the phone, they put the dispute into " investigation ''. They could never supply any documentation to support a " balance transfer '' done by me. On XX/XX/XXXX, Barclay confirmed in a letter to me that the fraud investigation had been completed, and they had determined that I was NOT responsible for the fraudulent activity. Then, they opened another account in my name ( ending on XXXX ) and transferred the previously disputed balance to it ( the balance they had already confirmed " fraudulent '' in writing ). Then, in another letter on XX/XX/XXXX, they claimed that the activity was valid because they did not receive the requested documentation to support my claim.????? Now, after another hour on the phone with them on XX/XX/XXXX, they are sending me statements ( period XX/XX/XXXX - XX/XX/XXXX ) with late fees and finance charges, and I must assume they are damaging my impeccable credit score in the process. This is despicable, and I do not know what to do or who to turn to for help/remedy. I read Barclay 's reviews on-line ( 1 out of 5 stars with over 400 reviews ), and many people are experiencing this same frustration.

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 2022-04-18
Company: Resurgent Capital Services L.P.
State: NY
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:
In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my right to full disclosure that these so called debt collectors prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX, XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: PENTAGON FEDERAL CREDIT UNION
State: IN
Product: Credit reporting 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:
Per the FCRA, as a federally protected consumer, unauthorized inquiry violates 15 U.S.C 1681b permissible purpose as well as the Privacy Act of XX/XX/1974.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. XXXX XXXX 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. 

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion for 2 years in a row said unable to access 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 non-monetary relief
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I sold a product using PayPal to a local buyer and delivered the product to him in person. We even took a video of delivery to his address and kept records of messages with the buyer in which he confirmed that he received the item. PayPal immediately collected their fee and then paced a hold on my {$950.00} so that I could not access the funds until the buyer confirmed that the product was delivered. The buyer then attempted to confirm the delivery but PayPal would not let him do so for 48 hours. Concerned that I would not receive my money I called PayPal offering to send proof of the delivery, including the screenshot of PayPals email taken from the buyer when he attempted to confirm the funds but it said it would not let him. I waited the 48 hours and now can not reach the buyer. I reached out to PayPal today and they said they have no way for me to show them proof that we delivered the product to the buyer. I again asked them to provide me a way to show them our messages with the buyer and the time stamped video of the product delivery but they refused. I asked why PayPal would make it so complicated and they replied that they wanted to sell card readers to sellers to make it faster. This concerned me because it causes an un necessary delay for the sellers so that PayPal can profit from more of their card readers in the market place causing a undue burden for their consumers and a long term profit for PayPal. I asked their manager named XXXX why they wound make their buyers wait and she wouldnt answer the question and the line went silent and the call got disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. 

I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. XXXX XXXX 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. 

I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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 was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness

Company response to consumer: Closed with explanation