BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Self Financial Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Description of Complaint : I completely successfully completed both the credit builder loan and the secured credit card program I closed the accounts and was told the refund wiould be delayed untill all pending transactions were completed and all fees and money owed would be deducted from my refunded amount from the loan to pay off both the programs credit card included and thats is what happened then the sent me the remaining funds and told me very clearly I was paid in full no more action needed and I CLOSED and CANCELED that card then I do have the corresponding emails from self to prove this also I was at balance of {$0.00} on this card with no pending transactions or fees. I later several months later I discovered card is still open they have been reporting no payments late pays on my report on an account I never missed or was late with a spotless payment history they told me they charges some kind of interest in a XXXX balance after the card should have been closed and are still reporting neg and refuse my several attempts to have this corrected. I demand they completely remove this false debt and every single payment or late payment from all my credit files and close accounts in good standing on the date it was actually done so they are refusing to comply I have the emails to prove it Im considering legal action against them if they dont comply -- also a complaint with fcra will be filed why would i personally request accounts and card closed after a spotless couple years record of payments with them then wait fort them to close evrerything out to not pay the last so called payment why do i have email proof of closing these accounts yet i find the account is syill open why if that were true has account not been charged off XXXX closed by the time frame required by law? its deliberately left open to continue to harm my credit isint that a criminal charge as well? ive disputed this with the XXXX major reorting agencies with documented proff yet they lie to the XXXX and no recourse?? 

Desired Settlement : Correction to a credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never recieved any documents indicating that I owe the debt. I noticed that I owed the debt on my credit report. Would like to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. 
TransUnion has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( i ). 

Despite multiple requests dating back to XX/XX/XXXX, I have not received a more detailed summary of the results of the reinvestigation process for the disputed information related to XXXX Transunion Reference # XXXX. On XX/XX/XXXX, a letter was received stating that the investigation was completed and verified but without any evidence. 

Furthermore, TransUnion violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process. I requested this information to ensure that all relevant information was reviewed, but TransUnion failed to provide it. 

Based on the above, I am requesting that the CFPB investigate TransUnion 's actions and impose appropriate penalties as necessary. Specifically, I request that TransUnion provide me with a detailed explanation of the results of the reinvestigation process, a list of all the documents and information that were reviewed during the process, and the contact information for the data furnisher ( s ) or public records vendor that TransUnion contacted during the reinvestigation process. I also request evidence of TransUnion 's processes and method of verification. 

Additionally, TransUnion has displayed inaccurate information on my credit report, including multiple addresses that I have never lived in. Despite sending multiple notarized letters to TransUnion to correct this inaccurate information, TransUnion continues to display it. This has caused significant harm, including the denial of credit and increased interest rates. For example, I was denied a loan for a car due to this inaccurate information. 

Therefore, I request that TransUnion immediately remove the inaccurate information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely,

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 2023-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been contacting Huntington Bank since XX/XX/2022. I've been sent a XXXX XXXX XXXX after 2 months of trying to obtain XXXX. I filled out the application and submitted it for review. They sent me a letter telling me they need a list of things. I put a packet together and mailed to them. I've been trying to get in touch with them for XXXX months regarding the packet I sent. I keep leaving messages with NO returned call. I have called approximately XXXX times to speak with someone and am asked several question ( always the same ones ) regarding my hardship. After all calls, I'm told a message will be given to XXXX who heads up the XXXX XXXX XXXX Department. I've left at least XXXX messages for XXXX without a call back. I am currently XXXX  months behind. My XXXX XXXX XXXX XXXX XXXX  and I are on the loan. The house is ouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've gone through counseling with XXXX XXXX XXXX who referred me to XXXX which I've applied for last week. In the meantime, I'm trying my hardest to work this out with Huntington but am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Took over 300.00 dollars garnishment out of my check in one pay period. Very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX XXXX Its been over 30days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment they have nt supplied this information and they must delete the alleged payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible Accounts name : 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 2022-10-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, in the transfer of my SunTrust auto loan to the new owners truist the process has been a mess for me personally. Ive had several months where multiple payments have been deducted from my account. After attempting to contact truist on several occasions Im left with no help. Tonight I told the customer service rep that if I did not get the help I needed on this call that I would file a complaint. He said he was transferring me and instead put me back in the system Ivr greeting.

Im completely frustrated and have asked them for their help canceling the auto payments set up so that I can make my own payments, at my own discretion. By the way, I do not owe a payment on my account until XXXX of 2023. 

One of the reps walked me through canceling my auto payments tonight but after logging back in they are still showing up as scheduled. Its very frustrating because they tell me to give it 24 hours for the account to adjust. Theyve told me this the last two times I tried the same process with them to no avail. I get busy and I just expect them to do what I ask them to do. Tonight I asked them how do I remove the bank info they have stored on file and I was ignored like what i was asking them was someone trying to run out on their bills. Again, I have good credit and I am ahead of my next payment until the spring time in most places. 

Id very much like to complain about their transparency in this ordeal. Its been less than pleasant for my family to have to shell out two years payments a month for several months this year.

Lastly, their website allows you to edit the series, delete series. Only one function works and that is editing. You can not delete the series at all.

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 2022-10-18
Company: Atlanticus Services Corporation
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted Fortiva Credit Card Company about some fraud charges that was on my account that was racked up to around {$1100.00}. A few months later after looking to see what my monthly bill was going to be, I noticed that the fraudulent charges got put back onto my account. I called and was stated that a notice was sent to me & I should wait till it comes in the mail. Few days later I received a letter for Fortiva saying that the amount is being sent to collections and I need to pay that amount.I was never told in a letter that the charges was denied or a reason behind them. When I tried to call them about new fraud charges the representative didn't send the paperwork that was needed to file the new fraud charges because as she stated " a case was already opened and closed, therefore we don't need to reopen on. '' A month after this letter was sent out to me, they closed the account. They stated that the account was closed for being over said limit and this letter was sent out last month ( XXXX ) and was being sent over to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: GA
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:
These inquiries doesn't not belong to me and we're not authorize by me 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

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

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 2021-05-10
Company: Klarna AB
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I placed an order with the merchant XXXX and used Klarna as the form of payment. Klarna stated that I was approved and the payment was processed and the transaction was complete on XXXX website. On the XXXX of XXXX I recieve an email from XXXX stating my order has been canceled. I contact XXXX and they respond on the XXXX of XXXX that my order was canceled by klarna due to " suspected fraud ''. I have made multiple attempts to get answers from Klarna starting on XX/XX/XXXX using their in app chat feature. The first representative told me that I should be able to place the order and to try again since I was approved. I did try again only to be told on the merchant site that was not an option available to me. I went back to the chat feature the same night and spoke to another representative that told me to call into klarna customer service the next day that it was maybe a technical issue. I called Klarna the next day. I was not given any information just told someone from the account services would contact me. They never did. On XX/XX/XXXX I recieved an email from XXXX XXXX a Service Specialist apologizing for the delay and stating that someone would be reassessing the matter. On XX/XX/XXXX I reached out to XXXX again and they tried to reach out to Klarna to get clarity multiple times since. On XX/XX/XXXX I replied to the email from XXXX XXXX at Klarna and she still could not give me any information of the " suspected fraudulent activity '' on my account and they still have not tried to verify my identity with me. XX/XX/XXXX XXXX XXXX responds and we have back in forth most of the day. I ask for her supervisor or upper management and she refused. I asked to have my matter escalated and she refused, I told her there are laws and regulations against this and if credit is denied they have to say why within so many days. She hides behind the fact that my credit was approved. Well is it really approved if you then cancel my transaction for " suspected fraud '' and never attempt to verify my identity. XX/XX/XXXX, 20201 I also call Klarna customer service again and get the same run around. they tell me they can't transfer me and that there is no supervisor for me to speak to. The answers that I want can only come from an account specialist and I can't speak to one. They will only contact me if the flag is removed I will get an email. To make matters worse, I have placed other orders using klarna with the same information and they were not canceled. There is no reason for this flag that has been disclosed to me as the consumer I have a right to know if my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2022-10-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended the University of XXXX XXXXXXXX in the XXXX 's and early XXXX 's and originally owed about {$20000.00} and now with fees and interest, I owe more than {$100000.00} BECAUSE OF SYSTEMIC FRAUD IN THE STUDENT LOAN SYSTEM. 

Basically, MY LOANS KEEP GETTING SOLD AND RESOLD AND THERES BEEN NO COMMUNICATION IN THE PROCESS - PAYMENTS RETURNED - AND CONSTANT DEFAULT. I never know who my lenders are, what loan are in play and my payments get returned because the lender has changed and meanwhile, I go into default. 

This is a scam and for my student loans balance to have more than quadrupled is unfair and illegal based on the scam they have perpetuated against me and no doubt others. 

I believe this is a class-action issue. 

There have been NUMEROUS LENDERS OR SERVICER and I can only recall NAVIENT as being a primary source of this fraud BUT THERE ARE MANY OTHERS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a cash app account. It was closed by cash app due to violation of terms of service. I dont know what the violation is, was never told or given an opportunity to appeal the decision. I was given the opportunity to cash out the balance of {$940.00}. I unlinked all of my personal information from this cash app account. I attempted to cash out to my bank account. The funds were to be deposited in my bank account on XX/XX/2023. I contacted my bank and was told that the deposit was declined and sent back to cash app because it was coded incorrectly. I contacted cash app to reopen this account so that I may cash out my remaining balance. I have been told by cash app that bc my email was unlinked to the cash app account that I can not receive my {$940.00}. Ive tried everything they told me to resolve the issue. I have verified my identity, bank information and email address. They have no resolve or explanation. Ive spoken with 5 people. They will not allow me to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a negative account on my credit report that shouldn't be there. Ive came across the term PERMISSIBLE PURPOSE. According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: AR
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 demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.

Company response to consumer: Closed with explanation