BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live in Northern VA, work in XXXX a single mom of XXXX need the extra cash to pay something up in the house I initially got a loan for XXXX dollars and I paid off XXXX and of a XXXX dollars I owed XXXX cent but then they called and said hey we can give you a loan for XXXX, well I said ok my oldest daughter was leaving for college so this would help, but they deposited XXXX in my account, which technically with the remaining balance of my XXXX dollar loan, that would only total XXXX dollars not XXXX, so the amount given is a lie as well and with all my payments I have paid them a total of XXXX dollars. Which in the state of Virginia Net Credit operated without a license in Virginia. Virginia law caps the interest rate on loans at 12 percent per year unless a lender qualifies for an exception, but NetCredit is being sued and loans are being disputed as illegal because their interest rate ranged from 34 percent to 155 percent and that is not legal in VA, so if we went with VA interest rate on a XXXX loan I would owe only XXXX but technically since I only received XXXX my interest rate on this loan based on VA laws I would only need to pay a total of XXXX, for which again I have paid them at total of XXXX and they have reported to the credit bureau that I was late and owe almost XXXX, they should not be report and I sent them information stating that have paid them in full based on VA law and actually they owe me money back and because they are using Utah law they are not willing to work with anyone and keep pushing interest onto the loan and are using illegal practices.They have also been harassing me with phone calls and my place of work who has told them to stop calling but the persist on calling. I will attach my payments from my bank and the lawsuit that is ongoing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 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 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a capital one venture card that i use as my main credit card. They recently made a change to their security so that I can no longer use third part transaction montoring and payment applications. I have about three different services that use, that do not work now b/c of the change. Given it is my account and my money that I'm spending and they are collecting pleanty of fees, I think they should allow their customers full access to the data and payments whenever and however we would like.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i sent off {$100.00} on Monday XX/XX/2020 and up today the money is not in the account of the person I sent it to and I can not reach anyone on Paypal to solve this problem. This was a case of emergency due to medical concerns and I have decided to complain about this company that I need a full refund including the fee they charge for sending it. 

They said that is due to the covid 19 situation due to skeleton staff but I was not told this before I sent the money. 

i am really mad and I wish I had done it in a different way..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OR
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:
I previously underwent a legal name change in XXXX and have had to dispute this several times for the last two years after finding out that my XXXX was still being used in some on-line platforms. I believe the issue has mostly been resolved with two of the credit bureaus. 
I noticed for the past year and a half that I was never able to get an on-line credit report from Equifax, and that my only way of getting it was to request it by mail. 
By chance, I remember having created an account on Equifax 's web site, so I went there to see if my credit reports were there. What I found was extremely surprising. Under the 'summary ' tab, my credit report shows as a 'clean record ', meaning that there are no credit accounts, lines of credit, loans, or even a credit score. And yet, when I went to dispute it by going to Equifax 's Dispute Centre, I saw all of my account activity there. 
To help in their investigation, I took several screenshots showing the problem. 
In XXXX of XXXX, I called Equifax and told them about the issue. I was placed on hold for an indeterminate amount of time, and then the call dropped. I wrote Equifax a letter a few days later and mailed it, but I never received a response. I am also including this letter, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Credit Technologies, Inc.
State: CA
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:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts.

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 2020-06-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has attempted to collect the wrong amount the account has been closed as of 2017.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor did I authorize these companies to run my credit.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi! I submitted a separate complaint recently about XXXX XXXX that has been resolved if you wanted to see more context but the major issue was with Venmo. In short, on Thursday XX/XX/XXXX I received a " spam bomb '' to my inbox and in there was a notice my primary email address on Venmo was changed. In addition the listed cell phone number was changed. I suspected easily preventable fraud was incoming so contacted Venmo, as well as XXXX XXXX whom my Venmo is linked to, asking to stop any future transactions on or related to Venmo. In addition I had Venmo freeze my account and was hoping to get my log in information reverted back to my actual email address and phone number. Venmo itself wasn't taking phone calls given COVID so an email was sent and responded to by them, freezing my account and I thought I was double covered. 

On Tuesday XX/XX/XXXX, after the stop orders and freezing of accounts should have been in effect, I wake up and find two unauthorized transactions have been sent from Venmo to my XXXX XXXX account, totaling ~ {$3000.00} and Venmo had drained my XXXX XXXX checking account to the point there was an overdraft and assorted fee. These occurred late on XX/XX/XXXX? I message Venmo back to inform them of this and to shut down my account as to this date they have still been unable to revert the associated frauded phone number on the account back to my actual phone number. In addition, Venmo denied both disputes within minutes of opening the case on each, ~a week after this preventable fraud, though I got the money back from XXXX XXXX so was not harmed by this. Payment IDS were ID # XXXX and ID # XXXX. 

Venmo has now refused to shut down my account unless I provide them with even more information such as a picture of me with an ID and I don't trust them with more information than they have so my Venmo account is still open. In addition, I can't even reset the password as I need to verify a change with the phone # associated with the account which is now a fraud phone number I don't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX   Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XXXX, so I had the original balance in the paperwork and I explained this to the Representative. 

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX  and was told they can not do this. The attached letter is what I received and that is all, no other communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt and its not on my credit report. 2. I do not have a contract with this company. 3. They repeatedly call me everyday and leave voicemails. On XX/XX/XXXX and XX/XX/XXXX are the latest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Harpeth Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom this may concern, I have an issue with my current loan Advance financial. I had applied and approved for a loan for {$250.00} which I was making payments for about {$56.00} per pay check. Now I went ahead and on the website and refinanced the loan but for the wrong amount which I instantly returned the funds within the same day, the amount was {$2200.00} and sent the cancelation document for the loan the same day actually the same hour. I reached out to their contact center and talked to an Agent who explained to me that was you cancel the loan they would revert the loan back to its initial loan amount of {$250.00}. The agent explained to me that they will open a ticket on the XX/XX/XXXX to handle the matter All this happened back in XXXX. I have called constantly for the last 2 months to get an update on this but all I get is the finance department has a ticket on the matter. I noticed that on their site it did not change anything and instead showed the previous loan amount of {$2200.00} and that I owed {$650.00} on XX/XX/XXXX. I found this very concerning and got me anxious. I reached out to their contact center rep and each time they stated that it was canceled and that finance has a ticket open to fix the issue and get my loan to the previous {$250.00}, each time I would reach out, and this has been more than dozen times I never got a straight answer and would request a supervisor call and never received a call from a supervisor till this day ( Almost 2 months later and more than a dozen calls ). 

Today XX/XX/XXXX I spoke to rep who instead told me very contradicting information and had me highly concerned about the issue, she was stating I still owed {$2200.00} plus interest for a loan I never took or used due to it being appended to the previous loan. I explained to her that should not be the case as I canceled the refinance loan and provided adequate documentation to this matter to cancel the loan. It seems that the organization is not following correct guidelines and is instead using predatory practices to extort customers. I have been calling for more than a month to get a solution to this matter and it is unacceptable that I hear contradicting information and also to be charged for a loan I never took or used, one of reps on the call dating back to XX/XX/XXXX explicitly stated that the refinance loan is canceled and your previous current loan would be upheld. Today on their site I see I owe {$2700.00} and a payment due of {$650.00} on the XXXX, this is wrong and unacceptable. 

I requested more than 5 callbacks from them asking for a supervisor but not once did I ever get a supervisor to call me. No call records from them calling back. 
They have to be stopped as they are ruining lives. Advance financial purposely refused to give me correct information and instead gave me contradicting information in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} BK OF AMER XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} BK OF AMER XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

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 2018-05-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Experian is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.

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 2021-06-08
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Security Credit would verify the debt. So I took it upon myself to ask Security Credit for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
On my XXXX statement I noticed XXXX incorrect charges that were not made by myself or my wife. XXXX was to XXXX on XXXX for {$540.00}. the other was to XXXX on XXXX for {$3200.00}. I contacted Chase to dispute the charges and close the account to avoid further charges. I then contacted XXXX and they stated that the charge was deemed fraudulent and reversed. When I contacted XXXX the gentleman took my info and said I would be contacted within a few days ... No reply ... In the interim I received a letter from Chase, ( see attach ), stating that they had verified the purchase by XXXX, and the disputed amount was to remain on my account. I sent a letter to Chase stating the incorrect bal on my account after reviewing my next statement.. So far no reply.

Company response to consumer: Closed with explanation