BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
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:
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ).  This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2018-02-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: KLS Financial Services, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection account is showing on my credit report. opened last XX/XX/2017 with a balance of {$47.00}. This is an identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/2018 I was charged a late fee of {$27.00}, because I did not have access to the internet XX/XX/XXXX, and XXXX due problems with ISP. 
I also have XXXX  very small kids - so it's hard to get out of the house. 
I paid the minimum due as soon as internet became available - on the XXXX. 
Please refund the fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: MoneyLion 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: Account status incorrect

Complaint:
Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CHASE APPROVED ME VERBALLY ON THE PHONE FOR A NEW AMAZON REWARDS CREDIT CARD DAYS LATER AFTER SUBMITTING THE APPLICATION ONLINE. THEY THAN TURNED AROUND AND SHUT DOWN MY NEW CARD AFTER PLACING A HARD INQUIRY ON XX/XX/XXXX FOR A FRAUDULENT CARD OPENED IN MY NAME FROM MACYS. WHY DIDNT THEY REVIEW THAT INFORMATION BEFORE THEY APPROVED ME? THE SUPERVISOR FROM CHASE WAS VERY NASTY AND RUDE TOLD ME, " SORRY YOU DONT LIKE OUR PROCESS ''. I EXPLAINED TO XXXX   THAT I MADE A COMPLAINT WITH YOU GUYS RECENTLY FOR THE XXXX. SHE GOT NASTY AND SAID THAT YOU GUYS SHOULD OF REMOVED IT ALREADY. I TOLD HER THAT I CAN SEND HER DOCUMENTS OF THE XXXX   FRAUD COMPLAINT. SHE DID NOT WANT TO ASSIST. EVEN WHEN I ASKED THE SUPERVISOR ( XXXX ) AT CHASE TO REMOVE THE INQUIRY FOR THEM SHUTTING DOWN MY ACCOUNT DAYS AFTER APPROVING ME UNTIL THE XXXX  IS REMOVED. THIS IS NOT MY FAULT AND CHASE SHOULD PRACTICE BETTER PROCEDURES AFTER APPROVING PEOPLE FOR CREDIT CARDS AND MESSING WITH THEIR CREDIT. THE XXXX INCIDENT IS A CURRENT ONGOING ISSUE THAT HAS BEEN REPORTED TO CFPB, XXXX FRAUDULENT TEAM, AND THE CREDIT BUREAUS. I WANT THESE CHASE INQUIRIES TO BE REMOVED IMMEDIATELY FOR CHASES INPROPER AND UNFAIR TREATMENT OF SHUTTING DOWN MY ACCOUNT AFTER I WAS APPROVED. IT IS NOT MY FAULT THAT THERE IS A FRAUDELNT XXXX ACCOUNT THAT IS CURRENTLY IN THE WORKS OF BEING REMOVED. CHASE SHOULD OF REVIEWED THAT BEFORE APPROVINT ME AND ISSUING ME A CARD. DON'T PLAY WITH MY CREDIT CHASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

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 2018-02-23
Company: Account Discovery Systems, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection agency called myself and my sister at XXXX. A voicemail left by a XXXX XXXX stated " giving you a call in regards to a petition of garnishment filed against you by XXXX XXXX. Prior to submitting the paperwork on your behalf I just want to go over with you because you do qualify for a settlement on the loan. '' This collection agency has no right to contact my family over an old debt. The agency also has no right to do ANYTHING legally on my behalf. They are not my lawyer and have no permission from me to act on my behalf. Also, according to my credit report, when this debt was sold to a collection agency, a payment was made that re-aged this debt illegally. The payment was made on XX/XX/2017 completely without my knowledge. I will also be filing a complaint with my state 's attorney General as well as New York state 's attorney general, and the XXXX. I will also be forwarding recordings of the voicemail on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
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: Public record information inaccurate

Complaint:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

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 2017-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$2300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Netspend Corporation
State: CA
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 received an UNSOLICITED " Netspend Prepaid Mastercard '' in the mail. I did not apply for this card and have no intention of using it - however, they included a very official looking card with a number, expiration date and my name on it. Also had the tape on the front stating " Visit netspend.com/activate ... to activate and verify your identity ''. It was my understanding that it was illegal to send out a live credit/debit card without the recipient actually applying for it. I have no intention of using this card, but could not reach Netspend to complain - their automatic system does not have any way to reach a real person - it wanted me to enter the card #. I did not do that because I did not want to inadvertently activate the card. 

A review of the Internet reveals that Netspend seems to do this a lot. Thank you.

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 2019-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received email notification on XX/XX/2019 that Citi closed my Citi preferred credit card. I called customer service and I was told that it's because it has been over 24 months without any activity on my account. When I told that there's a transaction of {$95.00} on XX/XX/2019 for the annual fee, they said that they do not count that transaction as an activity so they closed the account. How is that fair to the customer when I clearly see this as an activity and Citi chose to close my account without letting me know ahead of time.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
InXX/XX/XXXXanaccountwasremovedfrommycreditreportasitwasnotmine.NowinXX/XX/XXXXallofasuddenitreappearswithoutthe5dayreinsertionlettertheyaresupposetosendme.8monthslatertheyputitbackonTransunion.Isentthem3lettersstatingtheydidntnotifymewitha5dayletterpertheFCRAandthecompliancelawsandtheystillwonttakeitoff.Ineedthisaccountremovedperthereinsertionlawasitwasremoved8monthsago

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 2020-08-20
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I cancelled service with XXXX XXXX XXXX XXXX XXXX. I paid my final bill to them on the account. I then got a {$40.00} bill for unreturned equipment on XX/XX/XXXX. I had returned the equipment on XX/XX/XXXX. I have a receipt for the return from the XXXX store. I called and informed XXXX of this and they said that the warehouse probably had not recorded the return yet. They said they would get back to me, but never did. I assumed they found the equipment had been returned and canceled the payment due. Instead, they must have turned the debt over to Sequium Asset Solutions for collection. 


On XX/XX/XXXX I got a collection letter from Sequium Asset Solutions , LLC demanding {$40.00} for a debt I can prove I do not owe. They threatened my credit rating. I called them and explained that I did not owe this debt and that I have proof the equipment had been returned. They said they would send the collection request back to XXXX XXXX XXXX XXXX XXXX for review. After verifying that this debt was not owed, I attempted to call XXXX, but the call ended when their automated system checked my account. 

I called XXXX XXXX XXXX / XXXX on XXXX/XXXX/XXXX and was told the equipment was returned and not only did I not owe money on the account, I had a credit owed to me of around {$8.00}. And yet, XXXX XXXX XXXX / XXXX obviously sent this " debt '' to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account CREDITACPT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CREDITACPT was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-09-03
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: Personal information incorrect

Complaint:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst 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 2019-09-03
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
From the moment I began to dispute several unauthorized charges on the account PayPal downgraded me and the only argued what was indisputable facts of thanking mistakes and overcharges due to PayPal change does the amount of charge basketball though they meet every sense and I had every bit of proof they simply shut my account down and retribution and told me they no longer wanted to do business. They claim to be able to hold my balance for 180 days with no explanation no reason or no facts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: NY
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 have contacted XXXX, equifax, and XXXX I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to have all inquiries removed from my account its messing up my credit score i want every inquiries removed asap i do not know how i have 16 inquiries this is not making any sense at all i need my credit score urgently to get my apartment and the right job for me it is stopping me from succeeding help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants, a collection service in XXXX, FL, popped up on my credit file as a collections on XX/XX/18. The original creditor listed was XXXX XXXX XXXX for {$740.00}. I called Diversified and informed their grossly impolite agent ( XXXX somebody ) that the debt was not mine, but my daughter 's debt at her old college address. I never lived at the address, never ordered service at the address, never received an invoice for the {$740.00} from XXXX XXXX XXXX. 
I do maintain an XXXX XXXX XXXX account in good standing at my address in XXXX XXXX, FL, for the last 3 years. 
My daughter was contacted by XXXX XXXX XXXX in XX/XX/2018, regarding the balance owed, but the service dates, address listed as the service address, and amount owed were all incorrect. She requested XXXX XXXX XXXX conduct a premise research into the matter to confirm the correct address and service dates, thereby allowing XXXX XXXX XXXX to revise their statement. That was the last interaction she had with XXXX XXXX XXXX, they never contacted her again, certainly never contacted me as it was not my bill to begin with. 
Lastly, I can make a very informed observation about XXXX XXXX XXXX 's customer service and billing departments as I've consistently ( almost monthly ) had errors committed in terms of which services I'm billed for, discount programs I'm promised on the phone that don't carry forward to the invoice ... .terrible customer service and billing reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/XXXX XX/XX/XXXX XXXX, Equifax and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
American Honda Finance is willing reporting false information to my credit report on XXXX and XXXX. They Updating the bureau with the wrong information even those I have proof from Honda of the correct information. It is past the 7 years and should be off my reports but Honda is reporting different inaccurate date knowing they are wrong.

Company response to consumer: Closed with explanation