BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: MS
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, an unauthorized credit inquiry was made by XXXX, XXXX DBA XXXX XXXX XXXX and I contacted them by phone at XXXX on the same day and again on XX/XX/XXXX. I explained to the credit department of XXXX, that I did not authorize this second inquiry that has been made on XX/XX/XXXX. And that I only authorize the first credit inquiry on XX/XX/XXXX and became a customer of XXXX, XXXX DBA XXXX XXXX XXXX XXXX Provider on XX/XX/XXXX. I was then informed that a deletion of that second credit inquiry would be sent over to Equifax and it would take 30 days to be remove. I contacted XXXX  XXXX again in XXXX, XXXX, XXXX, and again on XX/XX/XXXX. After speaking with XXXX  on XX/XX/XXXX, I filed a dispute with Equifax thinking it would speed up the process. I was wrong. The investigation was completed on XX/XX/XXXX with credit inquiry not being removed and reported accurate. I spoke with XXXX  again and filed another dispute with Equifax on XX/XX/XXXX. That investigation was completed on XX/XX/XXXX with the same results being verified as accurate. I received this information by a confirmation letter mailed to me from the Equifax XX/XX/XXXX. I contacted Equifax by phone twice on XX/XX/XXXX and explained to the customer service representatives the situation at hand. They both only advised me to contact XXXX  again and handle it directly with them. I called XXXX  again at XXXX but received no answer because the office was closed on a Sunday. I also sent an email to Equifax ( XXXX ) and two emails to XXXX, XXXX  ( XXXX ) on XX/XX/XXXX explaining both about my frustrations and having this unauthorized credit inquiry removed and resolved as possible. Another dispute was made on XX/XX/XXXX also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent a money wire threw my phone for XXXX the guy stopped responding so I then asked for a check received a check on XXXX and my bank would not cash it said it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Source Receivables Management LLC
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:
I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO XXXX, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT SOURCE RECEIVABLES MANAGEMENT PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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:
Leading up to XXXX 2017, I received communication from Navient Corp, that I would need to start making payments on my student loan for which I have absolutely no problem with. Included in the email correspondence was a link to their website, for which I took time to navigate and become familiar. Their website offers interest rate reductions if you enroll in their auto pay program. Accordingly, I signed up for that online in XXXX 2017. Furthermore, to ensure I was properly enrolling in the auto pay program, in order to receive the interest rate reduction, I scheduled an appointment with a Navient Corp representative, for which occurred on XXXX XXXX, 2017 at XXXX. The representative confirmed that I was enrolled in the auto pay plan, and that I should receive the interest rate reduction. On XXXX XXXX, 2017 I noticed I still had not received the interest rate reduction promised on their web site and verbally by the customer service representative, even though I have been making my payments as promised. I contacted Navient Corp by email on XXXX XXXX, 2017 explaining the aforementioned. The response I received was from a Navient Customer service rep telling me " You must be enrolled in auto pay to receive the interest rate reduction ''. I responded on XX/XX/XXXX and XXXX XXXX, 2017 explaining that I had indeed enrolled in the auto payment program, which I confirmed with a representative over the phone. I checked again on XXXX/XXXX/17 to see if they reduced my interest rates, which they still have not, and my balances are still accumulating at the higher rate. I am very upset and feel like they are doing this deliberately.
Furthermore, I asked the Navient Representative if I could apply for an overall interest rate reduction on the balances that I 'm being charged close to 7 %. She told me " No, our hands are tied and the rates are set by the Federal Government ''. I told her I could n't afford these high rates to please reduce them all to the 3.6 % rate I have on one of my loans. Again, her response was " No, we ca n't do that ''.
My name is XXXX XXXX. Phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I received a call from my lender as I amtrying to purchase a home. XXXX advised me that I needed to pay off my capital one credit card. I called capital one on XX/XX/XXXX I was advised that they couldnt provide me with a payoff at that time because I had a XXXX dollar payment that had not posted so the woman couldnt give me a good pay off amount she advised me to call back on XX/XX/2020 I again called back I spoke with a woman not sure of her name she advised me the payment had posted and gave me a payoff of XXXX I advised her I would be calling back once the payment was made. I sent the XXXX XXXX  the same day called back spoke to a supervisor cant remember his name. He advised me that they did receive the payment but that he couldnt XXXX out my balance until the payment posted he advised me to check my app everyday until the balance was updated. On XX/XX/XXXX I called Capital one again because I seen that my balance was updated to - {$61.00}. I spoke with a lady she advised me that she seen my payment did post on XX/XX/XXXX that she could send me the letter that I needed to send to my lender at that time she sent me the letter via email she also advised me that I had a credit on my account because I over paid. On XX/XX/XXXX I received an email from capital one saying I had a balance of {$6.00} I called capital one again and spoke to a lady again and asked to speak to a supervisor his name is XXXX badge number XXXX he advised me that the pay off amount that I was given was a estimate and that they used the credit that I had of XXXX and that I owed them a balance of {$6.00} because the payment didnt post to the account on XX/XX/2020. I advised him that I have the letter showing that it did. The supervisor advised me that I owe this money because of interest on the account. I advised him that it was incorrect because I did everything they told me to and I paid the full balance I was told to. I also advised him that I would like to make a complaint he said there was no one higher the him I could speak with and that I would still owe the money he advised me that he will not be doing anything about this. So In a matter of one day I had almost a 70 balance of interested on a card that I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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:
I HAVE DISPUTED THE ACCOUNT AS FRAUDULENT AND I MAILED ALL DOCUMENTS TO EXPERIAN, AND THE ACCOUNT IS NOT MINE I NEVER HAD XXXX SERVICE, AND I AM ASKING FOR IMMEDIATE DELETION OF THIS ACCOUNT XXXX  XXXX XXXX PARTIAL ACCOUNT # XXXX BALANCE {$2400.00}

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 2019-08-13
Company: EQUIFAX, INC.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my account was closed and I was told to withdraw my assets. I attempted to do so, but each time the website gives me an error " XXXX verification required Before you will be able to complete this withdrawal, you must provide additional information ''. There is no way to provide the additional information. The link provided simply redirects me back to the account closure page. There is no way for me to withdraw my assets. 

Here is a history of the times I have contacted the firm to attempt to resolve my issue : XX/XX/2018 email Case # XXXX XX/XX/XXXX email Case # XXXX. 
XX/XX/XXXX call Case # XXXX XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email Case # XXXX XX/XX/XXXX call. 

I received a response in most cases, and the response was the same each time. You apologized, said the case would be escalated to a specialist, and then failed to contact me or follow up in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus didnt follow the Fair credit Reporting law. I asked the credit bureaus for the method of verification and they didnt provide it to me. Therefore, I believe they reporting inaccurate information on my credit report. I have been trying to get those inaccurate and unauthorized information on my credit file since last year and the credit bureaus keep on giving me hard time. They dont want to follow the laws.

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 2019-08-13
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC systems is collecting a debt for XXXX. The debt was put on my XXXX  credit report and I don't owe XXXX  anything. When I called IC systems I was told to contact XXXX. When I contacted XXXX  I was told that systems changed in 2015 and they dont know what the debt is for. If a company is unable to provide documentation as to why a debt is owed it should be removed.

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 2021-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Portfolio Recovery via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Portfolio Recovery has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US Bank plans to sell our house at auction on XX/XX/XXXX and refuses to communicate with me, stating that I am not on the mortgage. The address of our home is XXXX XXXX XXXX, XXXX, MA, XXXX. 
How can US Bank foreclose on me if I am not on the mortgage? I am on the deed and the downpayment was mine. Our original mortgage was with XXXX. My husband and I are in divorce court in XXXX - my husband, XXXX XXXX, refuses to sign the divorce papers or to pay the note and he alone is responsible. XXXX XXXX defaulted on his mortgage in 2017. 

My prior Attorney, XXXX XXXX, refused to file a motion to help me, despite my having paid him a substantial amount to stop this foreclosure. Attorney XXXX XXXX is advising my husband, XXXX XXXX. I believe that this is a case of fraud.

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 2018-09-28
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Self Financial 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:
In accordance with the Fair Credit Reporting act This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: FL
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:
DUE TO IDENTITY THEFT, THE INQUIRIES THAT WAS UPLOADED DOES NOT BELONG TO ME.

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 2022-10-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft report? 


XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/2022 Experian XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 Experian XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX, TX 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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2019-08-13
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: MA
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:
Equifax is reporting collection account XXXX XXXX XXXX, XXXX for amount of {$670.00}. I have disputed this collection with Equifax several times as this collection does not belong to me. I have also sent XXXX XXXX XXXX, XXXX a debt validation and they have not responded.

Company response to consumer: Closed with explanation