BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : Equifax : XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX  - XXXX XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Bepensa Capital, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have repeatedly received calls from agents from Credito Real USA to my job. Each time I have instructed these individuals to not call my place of business concerning personal matters. Despite my requests, these agents have continued to call. 

On XX/XX/2019, a representative from XXXX XXXX XXXX XXXX actually came to my office to deliver a letter on behalf of Credito Real USA after XXXX on Friday, XX/XX/2019. The representative requested to take pictures of my vehicle in front of other suite owners in the building. That same day ( XX/XX/XXXX ) I sent an email to Credito Real USA instructing them not to contact my job. Today, XX/XX/2019, I received another call to my office number. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted disputes to XXXX, XXXX, and TransUnion for the past several months, nine months, to be exact regarding the inaccurate late payment reporting on my credit report from XXXX XXXX  XXXX. I have also ask for the method of investigation which all three credit bureaus have failed to provide me with the requested information. 

There is no notice of dispute annotated on my credit report stating that I have submitted a dispute for the XXXX XXXX XXXXXXXX account. According to 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute Well, there is no notice of dispute noted on my credit report for that XXXX XXXX  XXXX account. 

Therefore, my consumer rights under the FCRA has been clearly violated since the FCRA clearly state that a notice of dispute must be provided. 

In addition, I am providing a copy of attached screenshots showing where XXXX, XXXX, and TransUnion have receive my dispute letters and claimed the account came back verified but yet my credit report do not show where I have been disputing this account for months. 

Also, XXXX, XXXX, and TransUnion have failed to ensure maximum accuracy which is also a violation of 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy because how is it that XXXX and Transunion are reporting a 30 day late payment but XXXX is reporting a 60 day late payment for the same account during the same timeframe, XXXXXXXX XXXX XXXX. It's impossible for the same account to report different status which is inaccurate reporting. 

Therefore, according to 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete I expect for the inaccurate late payment that's reporting on my credit report from XXXX XXXX  XXXX be removed immediately

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 2021-02-05
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To W

hom it may concern, I recently challenged the validity of NCA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. 

Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 

5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason.

6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. 

thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient customer service in XXXX regarding extending my covid forbearance and was told by the company 's representatives that they were no longer offering covid forebearance. I called back and was told that in fact they were, but were told to push borrowers toward interest only payments. I was unemployed at the time. In addition, the covid forebearance broke my consistent payment record, resetting my ability to qualify for cosigner release after multiple years of on time payments. Despite applying multiple times for cosigner release, I was also denied because my credit to debt ratio is too which, largely because of the loan in question. I've consistently received bad information from navient, been unable to change the terms of the repayment of my private loan regardless of my financial circumstances, and still owe close to the original amount borrowed despite a decade of on time payments, covid forbearance notwithstanding. I'm not sure if I qualify for the settlement that was just agreed upon but definitely fell victim to predatory lending practices in 2008 when I took the loan out to pay for a for profit college with low graduation rates. Navient is a predatory company and the loan I took out almost 15 years ago still keeps me from being able to afford to buy a house, and is a significant financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX  XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )

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 2021-02-05
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for XXXX $ XXXX did this at Check N Go but on line in the store. I have been paying them XXXX a month since the end of XXXX in 2020. So I have already paid back them XXXX they are telling me I still owe them XXXX. Come to find out they are charging me 175 % interest on this loan. I figure since they were taking XXXX a month I would be able to pay the loan off quickly. Yes I realize I should have read the fine print to see that interest rate was so high ( I only figured it would be no more than 30 % ). I called them they said they are within the legal limits? How can they get away with this? This is robbery! They are taking advantage of people who think they are in desperate situation. It is outrageous they can charge 175 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Shop Your Own Corp
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Shop Your Own Mortgage advertises and claims to be license in Texas and Nevada. I looked up the license number XXXX gave me over the phone because he said he was licensed, but it was just a generic number, it wasnt associated to him. I am pretty sure its a law to have a license for each state they conduct business in. I couldnt find anything for XXXX or even the sales manager XXXX being licensed here. And they were quoting me these crazy low rates. It just sounds fishy to me. I asked them to email me and they told me I needed to give them my ssn. Theyre not even licensed ...!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is regarding my experience with HSBC Bank, XXXX. and their online banking platform at us.hsbc.com. On Friday XX/XX/2022 at approximately XXXX ET I accessed my online banking profile through HSBC 's website. Like many security-conscious individuals, I have enabled on my profile '2nd Factor Authentication ' - this service is supposed to provide additional protection to online banking customers by necessitating the entering of a one-time security code sent to my email address ( in addition to the standard username and password combination ) each time I access my online banking profile. However, on this night I observed that when I requested the one-time security code, the online banking platform instead displayed an immediate 'your session has timed-out ' notification, refreshing this page then immediately logged me into my banking profile without needing to enter any credentials! I recorded video of this phenomenon and confirmed that the same sequence of events would repeat even after closing my browser and clearing my history. In effect, the online banking platform was bereft of this security protection for an unknown amount of time. I have attempted to communicate this experience to HSBC but the wait times on their phone number have been inconveniently long and I have been discouraged from trying to speak directly with an HSBC representative. I have not experienced any noted fraudulent activity on my account as a result of this lapse in security, rather I am raising this concern for the well-being of other clients. I receive emails and text messages from HSBC, and HSBC has not provided any client-notification indicating that their online banking platform 's security had lapsed for any amount of time. I am concerned that HSBC has an unpatched security vulnerability that needs to be addressed and I am further concerned for any clients that might have been victimized that are unaware that their banking information was unprotected by the services for which they signed up and have a reasonable expectation to be enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Block, 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: Information belongs to someone else

Complaint:
My XXXX card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX  account, XXXX account, After pay account, XXXX  account, XXXX bank account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on XXXX using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through XXXX and After pay. This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
there are 4 accounts that do not belong to me and needs to be remove from MY transunion credit report also 4 inquries XXXX DATE XXXX : XX/XX/XXXX BALANCE IS {$940.00} XXXX XXXX DATE OPEN : XXXX XXXX BALANCE IS XXXX XXXX. XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX BALANCE XXXX XXXX. XXXX XXXX XXXX : DATE OPEN XXXX XXXX XXXX BALANCE INQURIES XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Payfare International Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I transferred {$300.00} FROM my XXXX account to an external account on XXXX, confirmation # XXXX, and it still isnt showing up in the other account as of XXXX, but it WAS taken out of my XXXX account on the same day I made the transfer. 

XXXX made first call, was told to wait 3-5 business days. 

XXXX made second call, was transferred from person to person, until finally a member of their executive team spoke with me, and said I would be receiving an email regarding trace # XXXX, Ive yet to receive said email. 

XXXX called again, transferred multiple times, then finally to a member of their executive team, to be told theyd look into it. 

XXXX still no email re trace number I was given on XXXX XXXX called again, spoke to XXXX at XXXXXXXX XXXX via live chat. He then phoned ME at XXXX. Assured me that he would send an email. 

XXXX received an email from XXXX with a reference number of XXXX, and a request to reply to that email with a screenshot of the trace number that I was given previously. I replied to that email, explained again that I was never sent an email regarding a trace number, that the trace number was given to me via telephone call. I included the trace number, along with a copy of the confirmation I received on XXXX when I originally made the transfer. 

XXXX called yet again to try to get this matter resolved, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Experian Information Solutions Inc.
State: LA
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've been trying to dispute an inaccurate account on my credit reports with the credit bureaus for the past two months. The credit bureaus have been responding back the account is verified. I have no idea how that is even possible with all the inaccuracies across the credit bureaus and the paperwork i received from XXXX XXXX XXXX ( The original creditor ) Account number XXXX. I will point out the inaccuracies and being that the credit bureaus have verified this account 3 times already, this complaint does not mean UPDATE the accounts and any UPDATES to this account will be a violation of the FRCA. They have ALREADY updated the payment history several times after saying the account is VERIFIED. 

This account is reporting on EXPERIAN as AN INSTALLMENT with a balance of {$20000.00} with the original balance of {$11000.00} This account is reporting on XXXX  as INSTALLMENT with a balance of {$20000.00} with a highest balance of {$10000.00}. 
This account is reporting on XXXX  as an INSTALLMENT with a balance of {$5500.00}. 

After reviewing my contract this account was written up as a RETAIL INSTALLMENT CONTRACT with a balance of {$6000.00}

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 explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023 US BANK HOME MORTGAGE DENIED ME A LIAN FOR HOME MORTGAGE BASE ON MY STATE NATIONAL STATUS AS BEING A XXXX AND DIDNOT DISCLOSE IN FULL DETAIL WHY I WAS DENIED YET TO ONLY DESCRIBE THAT THE XXXX WAS COMPUTER GENERATED NOT EXPLAINING IT WAS TOO LOW ETCETERA AS STIPULATED IN THE EQUAL CREDIT OPPORTUNITY ACT. I ALWAYS DISCLOSE MY NATIONAL STATUS TO GIVE CREDIBILITY TO MY NAME IN GOOD FAITH FOR THE SAKE OF COMMERCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: VA
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:
Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.

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