BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX Bank XXXX XXXX Late Payment from Bank XXXX XXXX, XX/XX/2020 Late Payments from XXXXl XXXX, XXXX to XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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:
The credit bureaus are still reporting inaccurate items after their investigate.

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 2019-06-10
Company: Navient Solutions, LLC.
State: NJ
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: Investigation took more than 30 days

Complaint:
While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, I applied online for a Capital One QuickSilver Credit Card. Being an existing Capital One Bank customer, I was approved within minutes.

I received the card on XX/XX/2019, and began using it almost immediately.

On XX/XX/XXXX - less than one week after I received the card - I received a call from XXXX XXXX at the Capital One Fraud Department, informing me that my account is being frozen until the company can review my tax transcripts. In order for this to happen, she informed me, it would be necessary for me to fill out a copy of IRS form 4506-T,  which she would send me via email.

Within minutes of our conversation, I received an email from Ms XXXX with a link attached for a XXXX  version of that form.

I was, unfortunately, impossible for me to fill out the form that I was sent. My wife and I file taxes jointly, with her name appearing first. In that situation, the IRS requires that my wife 's name be written on line 1a, and mine on line 2a of the form. In the XXXX  version of the form that I was sent, line 2a was blocked out, and could not be filled.

I immediately called Capital One to request a new copy of the form. My request was not honored.

Since then, I have called the Capital One Fraud Department at their published phone number no less than 6 times - twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX. I have spoken with 6 representatives, including two managers, XXXX   and XXXX. I have spent close to 3 hours on the phone with their agents. On each occasion, I was told that my issue can only be resolved by the case owner - that is, Ms XXXX. Only she has the power to send me a new copy of that form.

Each time, the representatives I spoke with promised to forward my request to her, but I have since received no response.

On XX/XX/XXXX, I was promised that I would receive a new form via email by the close of that business day, but that email never materialized.

I made several requests to speak with the case owner directly, but was first told she was unavailable, and later told that she does not ever accept phone calls.

I have also made several attempts to contact Ms XXXX directly by email, and have received no response from her.

All I need is for Capital One to resend me IRS form 4506-T for joint filers. I believe my request is quite simple and straightforward, and do not understand why they can not send me said form. Why is this a weeks-long process involving hours of my time spent on the phone?

If you could arrange for Capital One to deal with this issue and send me the form in an expedited fashion, so that I can get my account unfrozen ( defrosted? ), it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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:
The credit bureaus are still reporting inaccurate items after their investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credir reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2022-03-05
Company: OneMain Finance Corporation
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 status incorrect

Complaint:
I have disputed the entire loan, and asked them not to report any adverse action as this loan has been paid in full by my open end credit plan. They have yet to respond to any of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from a collection company called Hunter Warfield about money owed to a previous home I was renting at XXXX XXXX, a property of XXXX XXXX XXXX They said that I was put in a collection because XXXX XXXX identified damages after I had left the apartment. I never received information about money owed from XXXX XXXX because they said that they were sending in to my old address at XXXX XXXX, while clearly I had moved out, hence the amount they said I owed. Hunter Warfield contacted me on XX/XX/2018, telling me that they will not remove this from my credit report even though I had not received any information. The amount was about {$490.00} dollars. 

The first I had ever heard about this debt was once it was put in collections, and I feel like I was not given proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979

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 2021-08-09
Company: CITIBANK, N.A.
State: GA
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:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My husband and I have a direct pay account with this loan company that automatically withdraws out of our account every first part of the month so far for two and a half years we had no problem with this loan company or them with us. XX/XX/XXXX this year, shows my account, on the loan company 's website that they went in to pull the funds from the bank but then did an reversal on the same day in which me and my husband did not know we figured all bills paid with no problem, Today XX/XX/2020 we get a text from One main loan company stating that our payment was returned, and that we are to call them, even on their website says that they will charge my account {$20.00}, plus charge me a {$15.00} late fee on top of the payment. Our payment is {$110.00}, they charging us today {$130.00} altogether, which is unbelievable, we never had a problem with the loan company making our direct payments. We changed banks this month and we put our bank information for autopay direct to make payment. Also my husband and I went to our bank and got proof that the loan company never made an attempt to even pull from our bank account. The account was not insufficient of funds at the time of XX/XX/2020 And would like to know why did the loan company wait too XX/XX/2020 to not honor the payment agreement of direct pay, especially at this time of the holidays. We called this morning to speak to a customer representative about this problem she told us that they will try to waive this fee and if it's waived it will be 2 to 3 business days, and again called a second time to another customer representative and she said the same thing but for us to fax our proof of what we have too them even though we have to wait 2 to 3 business days for the unjust charges to be waived. In the meantime they want too charge us late fees. plus never emailed me at the email address they have on file throughout the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a savings account with U.S. Bank that has not received an interest payment since XX/XX/2022. I have called to have this corrected, and I keep getting the same response " It will be credited this month ''. This has not occurred, and no one seems to care because it is a smaller dollar account.

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 2023-05-15
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:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-08-09
Company: Army and Air Force Exchange Service
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022

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 2021-08-09
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson capital systems has been reporting fraudulent charges from XXXX XXXX on my credit. 
I am a current XXXX XXXX customer and carry a XXXX ballance I have reported to XXXX and jefferson capital systems the fact of the fraudulent account. 

Neither have been able to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: WELLS FARGO & COMPANY
State: CO
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:
I paid off the balance on my Wells Fargo XXXX XXXX XXXX card on the last day of the billing cycle. They did not post the payment promptly, and told me it could take up to 3 days to post to my account. As a result of not posting my payment in a timely manner, they reported an incorrect balance to the credit reporting agencies. I asked them if they could do a forced, off-cycle update to the credit bureaus to accurately show my account information, and they denied my request. All of my other credit cards, ( XXXX XXXX, XXXX, XXXX XXXX, XXXX ) post payments the night of the payment. I am working on financing to buy a home and wanted my credit report to accurate reflect my account balance.

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 2020-09-02
Company: World Acceptance Corporation
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:
World Finance Corp is reporting inaccurate and old information to my credit report. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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 am a victim of identity theft.  I found out when I started getting calls from banks about late payments on credit cards.  I found out there are several accounts that were applied for and approved using my personal information without me giving consent.  I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank 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 non-monetary relief
Consumer complaint received 2019-08-09
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was forwarded to a collection agency by XXXX. I had an 18 month lease that ended in XXXX and they are trying to say that I still owe money and without notice or change to my services my bill went up over {$50.00}. I've paid all that I owe and this company has threatened to ruin my credit as a result of this extortion.

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