BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: TN
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 recently obtained a copy of my credit file and there are many mistakes in my 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 2022-03-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged too much interest on a {$18.00} balance. My interest rate is 21.99 %. I was supposed to be charged XXXX, a little under {$4.00}. My balance on XX/XX/22 was {$18.00}. I was charged two and a half times interest on a balance that was only {$18.00}. Apple/Goldman Sachs Bank is not giving me a clear explanation as to how they will rectify charging me double the interest rate for a {$18.00} balance. It is against the law to charge me double the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
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: Information belongs to someone else

Complaint:
Have been in contact with all the 3 bureaus for over an year now to get accounts that do do n't belong to me removed with no success the only bureau that refuse to remove/update information is Equifax. The account that are not mine and are included in ID Theft Report # : XXXX which I have submitted a copy of Affavaidat and police report to Equifax and they still have failed to properly investigate and remove these accounts : XXXX XXXX Bank ( 2 accounts ) # : XXXX, XXXX ; Illinois XXXX  XXXX # : XXXX, XXXX XXXX # XXXX XXXX, and XXXX XXXX and XXXX XXXX XXXX this account is reported two times invalidly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Gurstel Law Firm, P.C.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
As of XX/XX/2020, Gurstel Law Firm P.C. ( XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) received account, tried to make contact with Gurstel on several different days to make payment, but no account info can be accessed or released. No one will return my phone calls and everyday they delay payment, my credit is being effected. Also the original creditor is still reporting negatively, so I tired to pay them, but they refused payment because account was charged off and sent to Gurstel Law Firm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: MO
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 disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX, with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For many years I've been very happy with the service and professionalism with not only the PayPal services but also the PayPal team that have assisted me but since 3 days ago I've been very agitated and annoyed with the way you have handled my current account limitations for simply transferring my money from one of my bank accounts to the other while also gaining membership points in the process for doing so, the reason I use PayPal for these transactions is because it's a lot more quicker and easier this way. 

Just to also take note I had called multiple times while also providing my ID, Bank Statements and all other information required and fully cooperated with your requirements you needed at your end. 

Myself and my legal team had taken a deep look into your assumed 'violations ' to the Acceptable Use Policy along with terms of service and had not found where I have supposedly violated these terms. 

Personally I make sure to read all the legal jargon in regards to the terms of use etc so I know what I'm allowed and not allowed to do. 

Regrettably if this issue has not been resolved in regards to the 'permanent limitations ' account issue I am facing and you do not allow me to withdraw my funds totalling XXXX I will have no other option but to report PayPal to the Financial Ombudsman, Trading Standards along with the XXXX XXXX XXXX until this has been resolved. 

Until I hear a response I'll be making preparations to file these reports. 

Many Thanks XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts do not belong to me. Please remove it from my credit file.

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 2022-03-14
Company: Comerica
State: CA
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/2022 at XXXX, I received an email alert from my Direct Express debit card stating that they suspected fraudulent activity on my card and to respond Yes or No to a {$200.00} atm cash withdrawal at Comerica Bank XXXX XXXX , CA if I recognized it. I immediately responded NO and the alert stated the that the transaction was declined and my card was deactivated. I was out the country at the time of this fraudulent transaction and the debit card was in my possession the entire time. Upon my return to the states on XXXX XXXX, 2022, I checked my debit account and I realized that the {$200.00} withdrawal was in fact taken out of my account even though the email stated that the transaction was declined. I immediately called Direct Express and informed them of the situation. I was told they would look into it and get back to me. Two days later I was notified that my claim was denied because a physical debit card was present using my pin. Im pretty certain that Direct Express is fully aware of such thing as skimmers out there that fraudulently take peoples money. This is my XXXX money and only source of income. Its not right of them to deny my claim when I was out of the country and did NOT authorize this transaction nor was the card physically present at the ATM because it was with me in XXXX from XX/XX/XXXX to XXXX XXXX,2022. Its no wonder why they are in a legal class action lawsuit given this type of fraud happening with their debit cards. Why cant they check with Comericas ATM surveillance to see if it was me? This is theft and I want my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXI ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-09-24
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received an email from Western Union that money had been picked up on X/XX/17 in XXXX, Ga by XXXX XXXX. I immediately contacted western union. Spoke with XXXX. I informed her that I did not know this person nor did I send any money to anyone via western union. I  had previously sent money to my sons & always had problems each time. Those times I actually sent money were horrible experiences. I had to call both times previously & was on phone with western union too long. It was not easy at all to do money transfers for my sons those times so I told western union that I would not be using their services again. I asked to be removed from list. I did not make a transaction via western union since & will not. I again reported this fraudulent activity & told them to delete my information from their system. XXXX stated she had made fraudulent report. I asked that they not email me, requested call back. I may not check email daily & wanted to be updated on status of this fraudulent activity. I did not authorize this & therefore stated that money best not be deducted from any accounts of mine. I do not know this person & want to report western union for inappropriately transferring money without authorization from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CHASE is believed a Creditor who has in previous communications admitted that their records reflect the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. 

I have requested CHASE submit all documents relating to the debt in which was claimed owing or was satisfied. CHASE appears to have concealed information from me REGARDING its involvement. 

Request CHASE produce all relevant documents relating to the transaction in which it were acting as trustee and to state what type of loan or transaction it was involved in : 1 ) Conventional loan 2 ) line of credit or home line of credit account 3 ) Other ( describe the instrument ). 

Did CHASE acquire the XXXX XXXX Promissory Note? When, date? Why did CHASE not record it 's interest? or did it? 
Was CHASE assigned the Promissory Note held by XXXX in 2003? When, date and where was it recorded? Was it recorded with the county recorder or with Mortgage Electronic Registration Systems? 
Who appointed CHASE/JP MORGAN as trustee? Please name the entity, i.e. XXXX XXXX, XXXX XXXX XXXX XXXX. 
Was CHASE/JPMorgan holding title to the real property referenced in the deed of trust declared on the attached document provided. 
Was XXXX XXXX XXXX, XXXX collecting rents on behalf of the trust in which XXXX XXXX XXXX was the trustee? or was XXXX XXXX XXXX, XXXX collecting mortgage payments for a conventional loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged XXXX as off XX/XX/2021 from an insurance agency. They are charging me this balance for a policy I never purchased or signed for. I called to resolve it and they told me it was resolved that it was there fault but now I am still being charged and sent to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: LEXISNEXIS
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 2020 LexisNexis submitted a report to the Kansas Department Of Labor in response to an application for assistance. LexisNexis gave them a consumer report for me that had an incorrect social security number. As such I was investigated for fraud and never received my funds and due to staffing shortages I am still in the appeals process two years later because of this report. XXXX actually told me this in a recorded call and gave me their information to call. Upon doing so - again on a recorded line I spoke to someone named XXXX who wouldn't process my request for a consumer report but also screamed at me and called me a " XXXX liar and XXXX never told you to call here '' then hung up. So I called back a few times- each time the same person answered and began playing manipulative games with me. To beat him I called their number from my wife 's phone while I still had him on the line and he somehow was still the same person to pick up while still on a different line with me. 
I have sent multiple requests in writing to receive a copy of my consumer report so that I can correct their information and each time they use a different stall tactic. For instance the first time they sent me a letter stating I had not provided an ID with my request ( there wasn't an option ) and to call them. I did so and then receive a blank piece of paper and a paper with a link and pin. Upon doing so it doesn't work. Meanwhile I have also been declined for checking accounts as well as apartments that have used their service. They have an entire other consumers information mixed with mine and have provided that information to agencies that have in turn reported it to my credit report and after hundreds of hours of trying to get this sorted out they stall me at every turn. My life is completely on hold from any level of actual productive results from my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is reporting a charged-off account and updating it every month. If the account is charged-off it should not be reported every month. In addition the account is reported 120 days late XX/XX/2018 and XX/XX/2018. This account is inaccurate. PLEASE DELETE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY

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 2017-10-30
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. 

I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
At the Time I was a student my XXXX was XXXX XX/XX/2013 I was a single mom and had to plan a funeral and was no way able to focus on studies while having to deal with raising broken XXXX that felt Like my XXXX was a father figure I also went into a deep XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hard inquiries trans union XXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX  XX/XX/18 XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18

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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX Hard inquiries that i dont know about XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX /XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/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