BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My stepson, who was XXXX at the time, went to a doctor. That doctor billed the insurance and sent me a bill. I called them and explained I am not his guarantor, he is XXXX and provided his contact information. I was told that I am not a good parent and should take responsibility since he is my son. I advised him it does not work that way, he is of legal age and legally his own guarantor. They called him and he did not answer. They called me back and said both my wife and I are irresponsible and should have raised him better, not to leave debts. I told her he is his own person and I am not paying the debt for him. I was told they would turn me over to a collection agency. I advised them they can not since the debt is not mine. Captial Accounts has called me three times in a week and I have explained this to them. They told me the account was put in my name and turned over to them, I would need to take that up with the doctor 's office. I told them the Dr office refused to do anything and they are harassing me by constantly calling for a debt I do not owe. They talk over me and are rude, then ask me to verify my contact information so they can continue to contact me. I usually curse and hang up on them, my right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: National Collection Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, My name is XXXX XXXX and I am inquiring about a dispute that I recently put in in regards to a fee that I am being wrongly charged for. This fee is for {$940.00} and I refuse to pay this because I believe this is wrongly charged on my behalf. During the spring semester of 2020, I attended XXXX  at XXXX for about 2-3 weeks at MOST ( nowhere near an entire semester or year ) where I experienced XXXX, lack of motivation, and an overall decline in my feeling of sense of belonging on campus. I simply wanted to change my major because I realized I was in the wrong Master 's program, XXXX, and I was given such a hard time from several staff and faculty whom I reached out to in regards to my situation. I had to retell my story over and over which made me relive a discouraging time and also lose motivation as time was ticking through the semester with little to no progress on my request. 

Consequently, I decided to resign from my position as a student. When I inquired about the process of a leave of absence, I also received poor support and was not pointed in the direction of how to do this in a clear and concise way. After all of this, I realized that it would've been easier to just to pursue my career around what was and is my passion, working with youth to inspire them to be a better version of themselves than to wait after WEEKS had gone by with no progress on SWITCHING MY MAJOR. I was very frustrated with this because I have never " dropped out '' or quit on anything that I have started in my life, but I felt that it was the best decision for my mental health, career, family, and overall well-being. 

Shortly after, all schools were closed for XXXX which we know was an extremely disheartening time for many, but this showed me again that school on the XXXX 's level maybe just wasn't for me at this time. To fast forward and see now, that this school is charging me for any sort of fees is outrageous to me. I can see the business side of things, however, this is so unethical in my opinion, for me to pay for a service that not only did I not use, but for most importantly, one that did not serve me or satisfy and cover areas that it claimed it would. 

I am asking with the upmost respect and humility that this charge please be removed from all accounts related to my name. I have submitted two disputes and am now submitting this complaint to show how passionate and frustrated I am about this but also because I believe you all are able to help me with this. I do not want this to hinder or hurt my credit score or my ability to advance in my life, especially when I really did not benefit at all from any of these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: IL
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:
This issue is turning into a serious problem! This company is not responding back to me, and after several attempt sending them my proof of identity, and disputes going back starting in XXXX with no response what so ever, i'm getting ready to contact an attorney! They are required by law to respond back to me no matter what! Also are required to send me my annual credit report, and handle any disputes i have. I have inaccurate info that is hurting my score and are refusing to look into it. I have a previous complaint with this company Complaint # XXXX, and has asked me for my proof of identity to be mailed to them which i have done 5 times already with no response back what so ever!!! I am not going to keep sending my proof of identity to them if they are going to ignore my letters!!! 5 times i have sent out my proof of identity and not one response back, or credit report! I did everything on my end, but they are clearly not checking their mail, or ignoring my disputes! I will hire an attorney and file charges if they do not get the act together. I have no issues with the other 2 agencies, and can not blame the worldwide shut down on it as an excuse because this is going back to XXXX before the shutdown! I just sent 2 more letters in the mail with again my proof of identity this time by certified mail. I have included my proof of receipts as proof! I am loosing my patients with them and am not having any issues with XXXX XXXX, or XXXX! I am including my proof of identity, the letter they sent me asking me for my identity, my request for my annual credit report, documentations of disputes, in this complaint! This is the final time sending these in before i hire an attorney to file charges! This is not legal and is a violation of my rights under the fair credit reporting act!!! If they changed their address, then they need to let everyone know. They currently have multiple addresses and have sent it to the address on the letter they sent me, and to a different address that is on the web.I use the same address for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX someone charged my account {$2000.00} at XXXX. When i noticed it i locked my card and call Chase when i could. They said they denied my claim because I confirmed the fraud alert that they sent me. The fraud alert was from a completely different transaction. Now they dont want to open my claim and I lost {$2000.00}. I am not rich i can not afford to give away money and they arent even trying to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I never received assistance with errors on my accounts and was denied information on products when I had XXXX accounts and over {$100000.00} in those accounts. I also previously had issues with a mortgage with Wells Fargo.

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 2021-07-02
Company: Creditors Bureau Associates
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. I still have yet to hear any result and it has been over 60 days. I feel as though it is truly unfair and I am being taken advantage of and being ignored of my concerns and disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days, gives a reason to immediately remove these items from my credit report. Since it has been well over allotted time, they should be deleted promptly. I demand these accounts be deleted or I will file for litigation die to the stress you have caused me. My information was impacted by the XXXX data breach and may have got into hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying for HOURS to get ahold of anybody at Experian. I have an existing despite j need deleted it is affecting me getting my house I am purchasing. I have called multiple numbers with one lady answering one single time only to tell me she would have to transfer me. Automated system gives you two options of hangs up on you and days they are unavailable to help you at this time. This is the worst company ever to deal with I would high recommend never hanging to deal with them XXXX and XXXX were 100 % helpful and tentative to all my needs especially via 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 2019-04-29
Company: Ability Recovery Services, LLC
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to XXXX XXXX XXXX, XXXX who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XX/XX/XXXX.I aquired XXXX in XX/XX/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 2020-12-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to transfer money I had in PayPal and ended up calling the number ( XXXX ) XXXX and in the middle of the conversation I was called by another number XXXX and told me to download the app XXXX  XXXX  and were able to see what I was doing on my phone and reviewed my PayPal account to verify if it was the right account, then told me to go to my bank account and told me to press on " send now money with XXXX '' and wanted me to press on send and wanted me to type this XXXX  " XXXX '' and told me to go to my XXXX XXXX  account and wanted to see my bank information in XXXX XXXX and later I called the original PayPal number and told me it was a scam from possibly XXXX because they sounded like someone from XXXX and I changed all my information as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the enclosed documents, and I request that the bureau initiates an inquiry into these accounts where I have consistently been on time with payments, yet they are inaccurately reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federal XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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: Personal information incorrect

Complaint:
So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1681 section 602 a states i have the right to privacy.

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years, 15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the rperson knows or has resonable 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 2023-08-11
Company: MARINER FINANCE, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. 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 severe financial and emotional distress that 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 2021-07-02
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I applied online for credit through GM Financial and authorized them to run my credit. I received an email stating I was approved for credit and that the dealer of my choice would receive the information so I could go shopping for my vehicle. On XX/XX/2020 I reached out to XXXX XXXX of XXXX XXXX XXXX XXXX by phone and told him I had already been approved by GM Financial. He told me he would have his credit manager locate my file with GM Financial but would also need me to fill out an application. I told him I already filled out an application with GM Financial who had already run my credit. He told me it was just a formality and that his store would not run my credit. XXXX XXXX of XXXX XXXX XXXX XXXX did run my credit. He also submitted to GM Financial who ran my credit 2 more times. After all that I was told that GM Financial made and error and I was not approved. I told him I had alerted by XXXX  about inquiries and he told my credit should not have been run but there was nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ATTORNEYS FOR PLAINTIFF XXXX XXXX, XXXX. 
STATE BAR NUMBER : XXXX The above mentioned law firm filed for final judgement XX/XX/2021 during the the mortgage foreclosure moratorium which is still in effect. 

We are currently residing in our property, and dealing with ongoing effects of the COVID-19 pandemic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo froze my account I had {$10.00} balance I called support 5 times Everytime they pass me onto next support tier I don't hear anything after that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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 XXXX party involved. Please review the uploaded letters.

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 2019-09-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XXXX stated I would have to authorize a Commenity Bank to pull my credit report to increase my line of credit. I asked if it would be a hard pull or a soft pull and she was stated I would need to contact the Credit Bureau. I also talked to her supervisor XXXX who stated they could not provide clarification to consumers about if they do a hard pull or soft pull. XXXX stated that their credit department does not speak to customers to clarify which pull they use to review consumers credit. She also stated she had no way of communicating with them for assistance. As a consumer it is our right to know if a financial institution uses a hard pull or soft pull prior to authorization a credit review to assure we have know the possible impact it could have on our credit report. XXXX also stated she could request a line of credit without pulling my credit report after XXXX stated it was a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/, I sent a dispute letter to Equifax challenging accounts that seem to be inaccurate. Within the letter, I stated that I would be submitting a CFPB complaint due to consumer law violations. There is incorrect personal information, inquiries, and accounts that have yet to be verified or explained. Please see the attached letter which is dated, and time stamped and complete an investigation to remove the inaccurate information you are reporting. At this time, I am only asking for the deletion, but I am aware that I can take this to small claims court due to FCRA violations.

Company response to consumer: Closed with non-monetary relief