BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.

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 2020-02-03
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been with Nelnet since XX/XX/XXXX and my loan balance has not been reduced even though I have been paying monthly and have not missed payments. In fact, my loan balance has increased. 
I wrote to Nelnet in XXXX, after speaking with an agent at your company, and said that I was willing to settle the loan at {$25000.00}, but they did not respond regarding this, only that they do not refinance loans. 
My oldest statement on line is from XXXX and says I have a balance of {$57000.00} and my latest statement from XXXX, XXXX says I have a balance of {$58000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Account information incorrect

Complaint:
XX/XX/2020 I sent a certified letter to Equifax advising that the information they were reporting on my credit report for XXXX XXXX was inaccurate and was not matching up with XXXX  or XXXX  and that I'm requesting them to remove the account from my credit report due to reporting inaccurate information ... XX/XX/2020 Equifax updated all information that I pointed out as inaccurate on my credit report and my scored dropped 30 pts XXXX because of this. I called Equifax customer service multiple time and was told they were not able to assist me since it was updated and some couldnt even tell me why my score dropped until I pointed it out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 sent a certified goodwill letter to Capital One Executive Resolution on XX/XX/ to remove late payments on my credit report. I explained that during the time I was have a financial hardship. After no reply, I sent an email to the CEO on XX/XX/, including a similiar goodwill letter, explaining my finaicial hardship and my loss of wages. I received a phone call on XX/XX/ that my account was going to be investigated. I was told today, XX/XX/ that they are not willing to change the status. I'm currently in good standing and I am working towards improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
It was simple. I paid last payment for XXXX XXXX in XXXX, 2020 bringing the account to XXXX and closing the account by my request. However, XXXX, XXXX, and XXXX show 30 days past due on my credit report. This is negatively affecting my ability to apply for apartments and acquire any lines of credit. The investigation showed the information was accurate and this is NOT POSSIBLE. The account was closed and had a XXXX balance in XXXX. I was never told anything was late or due at any point after that final payment. XXXX  and EXPERIAN both have those months in 202 as late 30 or 60 days late. They have not resolved this.

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 2019-06-28
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I did a transfer of {$20.00} from my Cash App balance to my registered XXXX account. The transaction says complete but it never made it to my XXXX accounts. I checked both! It looked as if the account number they had on file was wrong. I noticed this after the fact when it didnt hit my account in the 3 max days advised. I did a {$11.00} transfer a few  months back with no issue. I have emailed them 3 times as per the instructions in the app, and havent gotten any responses. And the funds still arent in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Paypal Holdings, Inc
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:
On XX/XX/XXXX, I made a {$330.00} payment to my paypal account from my bank checking account. I later found out that paypal took TWO payments from my bank checking account, both payments in the amount of {$330.00}. My bank informed me that one payment was made on XX/XX/XXXX and a second payment was made on XX/XX/XXXX. I immediately contacted paypal who refused to do ANYTHING except return ONE payment within 10 days. I went straight to my bank and informed them of the ILLEGAL THEFT of my money, which caused my account to become negative and caused other credit card payments to be NSF. ALL of this could have affected my excellent credit rating. My bank worked with me and did not charge me for any late fees. THEN, on XX/XX/XXXX, I made two XXXX purchases and used paypal to provide payment to the merchants. I deliberately clicked the box that said to charge my XXXX XXXX for the payment and NOT my bank. XXXX DELIBERATELY charged BOTH payments to my bank and again my bank checking account went into the negative. THIS IS FRAUD and ILLEGAL THEFT of funds. XXXX denies any wrong doing and I am tired to their theft and deceit. When I attempted to call them today, their phones continued to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MS
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 Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 1681 section 602 A. States I have the right to PRIVACY.

15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-10
Company: AmerAssist A/R Solutions, Inc.
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The AMERASSIST AR SOLUTION account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my PayPal is a business account, on XX/XX/XXXX I got a transaction of {$2500.00} and PayPal blocked my account all of a sudden putting it on 180 days limitation, please I need the account to be rectify because its my business account and I am fully aware of the transaction on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CITIBANK, N.A.
State: NY
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 opened a Macys credit card in XXXX. Apparently it was closed shortly after and there was a balance. I called to pay the balance and was told it reached the statue of limitations and I was unable to pay the balance. Its been XXXX  years since XXXX and yet they still report negative to the credit Bureaus. It says it wont get taken off until XXXX of XXXX. Thats over a decade from when it was closed. I would pay the balance if the company would let me but that wont. If I cant pay the balance and its been over a decade, why are they still reporting negatively? The next step is to call a law firm and go to court. This is ridiculous. Ive reached out to the company and tried filing several disputes but every time I file a dispute, the start the clock over for when it will be removed. Please remove Macys from my credit report if Im not able to pay the balance or do anything about it.

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 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One sent me a replacement credit card, and this new card is contactless. When I asked for a card that was not contactless, they refused. They are putting my information at risk by insisting that I get a card that any hacker can read without even touching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently spoke with a customer service representative at Transunion stating that I did not recognize the following inquiries that were showing up on my credit report. 

1.XXXX  XXXX  11.XXXX XXXX 2. XXXX XXXX 12. XXXX XXXX XXXX 3. XXXX XXXX 13. XXXX XXXX 4. XXXX 14. XXXX XXXX 5.XXXX XXXX 15. XXXX 6. XXXX XXXX 16.  XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX I asked if there could be an investigation into this matter an was told that inquiries are to remain on your report for the time that is dated. I was so disappointed in knowing that Transunion did not want to take the time to help figure this out. Therefore, I am reaching out to you for help in this matter. I have spoken with XXXX  about this same matter an with no issue they removed those inquiries. I even mention this to Transunion and they did nothing. I appreciate your time and effort into looking into this for me. I look forward to hearing from you soon. 

Sincerely, 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 2020-12-21
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Chime bank let my ex girlfriend send in Fraudulent documents change my mobile phone number to my account and withdraw funds out of my account amount up to {$3500.00} when I asked him to view the video footage atm the investigators told me no & their decision was final. I was XXXX doing the whole time these transactions were taken place I even present a document showing my XXXX  and my claim was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
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:
I made a payment for {$100.00}, and that amount was deducted from my checking account, and the payment was applied to my credit card account. An additional deduction was made for {$7.00}, and Wells Fargo can't explain to me why it was done nor was this money it applied towards my credit card account. I called Wells Fargo customer service a number of times with no luck of resolution.

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 2020-12-21
Company: USCB, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called at XXXX XXXX. on Monday XX/XX/2020. Also, claims I owe them over {$10000.00} when in fact, I have no such debt ( other than student loan debt and my car loan, both of which are current ) on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Accelerated Creditors Services, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX has called me and my job and I dont even have any letter from accelerated credit so I dont even know what it is in regards to. He called from number XXXX ( XXXX ) XXXX. When I XXXX this number the complaints are he calls for Debt collections for urgent care however I dont have an urgent care bill the last one I got was in XX/XX/XXXXand paid the XXXX dollars. I would like him to please stop calling and send Debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, 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:
These inquiries are not mine I have never gave anybody permission for these things and unknown inquires. I have never signed any papers regarding these inquires, who ever did it but this is not legal. Please I ask you to delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I applied for the Hilton Honors Amex card in XXXX of this year XXXX. First time I've owned the product and it had a welcome bonus of XXXX Hilton points after a minimum spend of {$1000.00} in the first 3 months. I hit the spending bonus on XX/XX/XXXX XXXX statement closing date XX/XX/XXXX ), so less than a month after applying for the card and well within the bonus requirements. Till this date XX/XX/XXXX I have not received my bonus points. They state can take 8-12 weeks to receive, but it's been 17 weeks and I haven't received anything. I've called multiple times with no success or resolution. The last time I called was around the end of XX/XX/XXXX, and they said basically, I'll get the points when I'll get the points. That there is nothing they can do to get the points to me manually or expedite them ( it isn't expediting if it's been 17 weeks ). I feel like this is a bait and switch. I will say I've had an awesome experience with their other Amex cards however.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the first week of XX/XX/2020 I moved houses and asked XXXX XXXX XXXX to transfer my internet services to my new house. I took my modem and wires to my new house too. XXXX XXXX XXXX doesn't charge for transfer of services when moving homes. 

However, XXXX XXXX XXXX continued to charge me for internet services in my old house and my new house even though there was no services going to the old house. They also charged me for an installation fee in the old house. 

I terminated my services with XXXX XXXX XXXX in my new house due to subpar service and one continued issue after the other in XXXX. 

It was then that I found out about the existing charges in the old house when Credence Resource Management LLC contacted my about debt collection. The amount to be collected was {$190.00}. I called XXXX XXXX XXXX about this and I have an audio recording ( with their knowledge ) of them admitting to their error, accepting that they made a mistake, but telling me there is nothing they can do and I should pay anyway. I have attached a snippet of the audio recordings of my conversation with XXXX XXXX XXXX. 

This is beyond unprofessional. It shows a lack of integrity, accountability and ethics.

Company response to consumer: Closed with non-monetary relief