BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I mailed a certified handwritten letter to XXXX ( tracking # XXXX ), Transunion ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, XXXX  and Transunion replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). 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.
Im requesting Equifax, Experian, and TransUnion to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

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 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did a purchase through Capital one visa card which I have for more than 15 years, it was online order which turned out to be a fraud site that I purchased from, as I did the research and turned out that the merchant doing this systematically with many customers before, I called Capital one fraud dep. numerous time and I provided them with all documentation they asked me plus a copies of the emails i had with the merchant who did not start hear from him till I report the transaction as a fraud, before i emailed him many times but no respoce, it has been since XXXX but till this day filing this complaint with you Capital one did not cover the charge, mind you when signing up with them they do brag about customers are covered for a fraud transactions, twice I provided them with documents but they are trying to stick it to me and bail out from paying back the fraud charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received an alert through XXXX on XXXX that my account had dipped by 15 points. Upon investigation, it was saying that I was 60 days late on all accounts. I called Equifax on XXXX and submitted a dispute. The rep conceded that it was Equifax error. That I wasn't 60 days late on any account and advised me to have my creditors update it. She said she could not fix it. However, even though the information was incorrect and it was their system error, which they admitted. I have not received the 15 pts back. In addition, the did another update after that which reported incorrect information making it appear as though I raised an account by {$2000.00}, that dropped my account another 13 points. I disputed that. The information was corrected but I never got the 13 points back. That's a total of 28 point in the span of a month while I am trying to buy a house. Their negligence is impacting my ability to secure a loan and the interest rate which I am being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reviewed my credit reports and noticed that collections were being reported that I was unaware of. Initially I attempted to reach out to the credit bureaus and request they provide me with more information regarding the debt. However the bureaus ( XXXX and XXXX ) was unable to get the collection agency to verify the debt and as a result the collections were removed from my XXXX and XXXX credit report. I am now requesting that Experian follow suit and do the same as I have requested from them several times and directly from the collection agency that this debt be validated and or verified by the credit bureau. However as of date I have been unable to receive verification and/or validation of the debts being reported by XXXX XXXX and Experian still continues to report the debt on my credit report. My rights are being violated and my character is being defamed.

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 2019-05-24
Company: Experian Information Solutions 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:
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 XXXXXXXX

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 2021-06-22
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account after I recently created it and received money from a friend. They wont help me getting it back up. I dont know if this was a mistake, which it may have been, but they wont help me. They only tell me I have a limit on my account. I figured I could file a report to this trusted company since PayPal wont do there job. My email linked to my PayPal is XXXX Please help, Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Company failed to provide adequate information that this loan is in fact mine. They have no chain of custody proof, no validated signature, lack of information proving my responsibility on this loan. They have failed to respond to the attached letter and sent a template reply without any additional information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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:
I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the company or individuals who were directly contacted in regards to this matter. 

Thanks in advance for your time and prompt attention to this matter.

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 2018-03-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I set up bill pay for the amount of {$80.00} for XX/XX/XXXX. My account was then frozen on XX/XX/XXXX and slated to be closed. The bank has not apologized for this and my account is still might be closed. Tried to file a complaint with BBVA Compass and was hung up on several times. I have my VA deposit to this bank account and will be homeless of they close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, 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:
Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Westlake Services, LLC
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:
My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed. 
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused. 
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance. 
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement. 
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2018-03-16
Company: CHECK INTO CASH INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received an alert on my credit report from XXXX showing an " unauthorized inquiry '' from Check Into Cash. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted XXXX, XXXX and XXXX but XXXX was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to XXXX which included a 5 page notarized affadavit and a letter to XXXX Consumer Contact XXXX  XXXX XXXX XXXX, PA XXXX the US Post office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with Check Into Cash I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND CHECK INTO CASH CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT CHECK INTO CASH HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 CHECK INTO CASH MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a letter from Ditech Financial LLC, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The letter offers me a settlement opportunity. I have searched through my records and it appears to me that this debt was bought from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. This account was paid in full in XXXX 2004. I am perplexed as to why Ditech has this when it was paid. My distress at the moment is that it is a negative item on my credit record and I have tried to explain to the company and the credit bureau that this is a mistake and I want it removed from my credit record but I have not gotten any cooperation. 
The statute of limitations on debts is 4 years in Texas. This should not be on my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about 2009 The original Banking Institute Bank XXXX was bought out by BB & T as to their Financial hardships. Since BB & T/ TRUIST have taken over this grandfather account, this Banking Institution Have Strategically attempted to have this Account Confirm to their New Rules and Policies. The Non Agreement of NON-Compliance have caused for this Final Correspondences before a Civil Lawsuit is Filed as to the Unlawful Malicious Actions and Actions as to the Alleged Return Statement Fee, in which the Alleged Statement have not been sent out and in is not in the possession of the Account Holder. Over the Course of a Two Year Calendar this institution have unlawfully Seized Fees and Costs that they are not intitled to and never in any agreeance of, therefor the Account Holder is Requesting for " ALL '' The Fees from Their Inception of this account to be refunded with Compounding Interest within Ten Days. This Is the Last " Good '' Faith effort to Finallly Resolve this matter as Time is of the Essence.

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 2018-03-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.

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 2018-05-16
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
1st, Sallie Mae sold/handed off my loans to Navient, without my knowing/consent. 
2nd, On multiple occasions, when trying to get Navient/Sallie Mae to put my student loans in deferment status they decline. Saying that this is not something that they can do and that the payment plan they have me on is the lowest they can go. That there is nothing more they can do for me and my economic hardship.

3rd, When I was unable to make the minimum {$230.00} payment/mth. They harassed me saying that they were going to get their money. Called me a deadbeat and scum for not making my payments.

4th, When I was financially stead enough to make payments, they wanted an absurd amount upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, a stranger broke into my hotel room, XXXX assaulted me, and stole my driver 's license, credit card, two debit cards, and prescription XXXX before he left. Before I became aware of my missing property, the man withdrew a total of {$10000.00} from my checking account with my debit card ( still have no idea how he got my PIN # XXXX. He did so in three separate transactions- one ATM withdrawal for {$800.00} XXXX right down the road from the hotel ), a branch withdrawal of {$7000.00}, followed by another branch withdrawal of {$2400.00}. Immediately upon knowledge of this ( on XX/XX/XXXX ), I called Chase and reported it. Claims dept. took the information regarding the ATM withdrawal but made me call the fraud dept. to report the branch withdrawals since, " These involved checks '' ( and the branch XXXX ultimately told me they were teller withdrawals taken out with my debit card and pin ). 

On XX/XX/XXXX, after continuous calls to Chase 's fraud dept. with no concrete update to my claim, I went into one of the branches the thief went to. There I was informed I had to sign an Affidavit of Unauthorized Signature and did so. I was never told by anyone at Chase that I had to sign this document or else I would have weeks ago. I attached my written police report statement as the police would not provide me with a report number until the investigation 's concluded. The police INCIDENT REPORT number is XXXX. THE NEXT DAY is when they finally sent me the letter to sign an affidavit, as it showed up in my account alerts/notices. XX/XX/XXXX, they approved my claim for the {$800.00} ATM transaction ( as a " one-time courtesy '' as I was told by Chase 's XXXX office ; she also told me that the ATM trans. was filed under Reg E and bank withdrawals processed under Reg CC. ) That same day, I called to confirm their receipt of my signed affidavit faxed by the branch XXXX, was told it takes about two business days to come through and to try back on Monday. On XX/XX/XXXX, I called again and was told they still haven't received my affidavit and to re-fax it. On XX/XX/XXXX, I re-faxed the affidavit and called the fraud dept. for confirmation ; customer service rep. told me that they already received the faxed affidavit on XX/XX/XXXX and my claim was denied due to lack of care in keeping my account guarded against theft by possibly having the PIN # written down ( which WAS NOT THE CASE ). I asked if I could see documentation of the investigation they performed and evidence as to how they came up with that decision but was denied access to any more information due to " the type of claim ''. I was NOT negligent of my account and if they want to hold me liable for this colossal transaction, the burden of proof lies with them.

Company response to consumer: Closed with monetary relief