BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/2021, I mailed a letter to Experian informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. XXXX was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. Experian failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. Experian did not indicate what steps it took to verify accuracy or fairness nor did Experian provide me with any documentation from either XXXX or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and XXXX are fraudulently attempting to collect a debt not owed. Experian is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.

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 2021-01-27
Company: Patrick K Willis Company Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man by the name of XXXX XXXX is calling one of my colleagues with sensitive info regarding a car loan. I don't know how he knows about this loan since he is not associated with lender. He told my colleague detailed personal information regarding his call including my car make, color and year. He also gave her a file number. This is not OK! 

This concerned my colleague so much that she worried about my safety. If. you look this man up he is calling from different numbers in all states but it's always the same story. He calls from fake local numbers that are not assigned to any business. And it's never the same number. 

He harasses and uses language and collection tactics that are illegal. I have worked out a payment agreement with the lender. I tried to tell him this and he just talks over me. This man has crossed the line and has no business doing this to people. The contact number he wants you to call back on is consistent : XXXX. You can look at similar complaints at XXXX with this number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions 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:
I requested the method of verification for XXXX XXXX XXXX And XXXX XXXX XXXX and all I keep getting sent to me the same verified and up dated letters. I never get a direct answer, they never provided me with any method of verification. These items are false and I want them deleted.

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 2023-03-29
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated calls from CashNetUSA. CashNetUSA called me XXXX times yesterday. XXXX  in a row! I also have received calls more than 3 times daily from these people. Im being harassed and plan to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please update

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I do not know the exact date I purchased the card. Only that it was prepaid and at XXXX before XXXX for my XXXX meal. Upon trying to activate the card, I am told I am intelligible and that they can reopen a previous netspend account, and send a check to that address. I am no longer at the address for a previous netspend account, nor can I prove the address where I am. I am XXXX. Living in my car. This isn't the first issue with netspend. XXXX pay also stole XXXX dollars they wouldn't return back of this. This is a {$100.00} dollar transaction, and being homeless, I need the money to survive, and was assured I would have no issues as I was prepaying for card.

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 2023-11-27
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I called this number XXXX. I googled XXXX and XXXX gave me this number, this place inserted a app called XXXX XXXX this was on XX/XX/XXXX. On Saturday morning XX/XX/XXXX, I saw a suspicious app calledXXXX XXXX I immediately googled it and it's a app where they can actually take over your phone. I have screen shots of what cash app has and a screen shots as to where the money went. At XXXX am they tried getting into my bank account again I have emails where the bank did not let them in. I have a photo of the app that was inserted on my phone.today they tried getting into my XXXX ID. XXXX declined them I have that email also. I did not authorize these {$470.00} withdraw or the {$30.00} XXXX XXXXXXXX. Cash app says that I authoriz d it. I did nothing to authorize this withdrawals Sir please investigate this, please try to get my money back. My ID number is XXXX. This is my second complaint on this since I gathered more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: DC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-08-24
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have had a Capital One card for 10 years and paid it in full or close to it every month. Capital one cancels my card with no explanation. I call- they apparently don't have to provide me with an explanation. Fast forward year or two.. I get approved for the prestigious savor card with a {$500.00} bonus once you spend {$3000.00} in the first 3 months. I charge over 1,000 dollars within the first week and make a {$600.00} payment before the payment is even due- bam they close my account. Capital one will close your account if you pay your bill in full or make large payments that they are not earning interest on. It is disgusting. I have an XXXX credit score. I will never do business with them again. They don't want to give up the bonus nor lose interest. Last time I checked you were allowed to pay your bill in full. Unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-01
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:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2019-03-09
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
-My family and I have had repeated phone calls from XXXX ( an associate of GM Financial ) associate. We have spoken with them on the phone and they leave messages. I have no relationship with them now nor have we ever had any. They are contacting us trying to contact my Brother ( XXXX XXXX ), asking does if he lives here. We have told them repeatedly that he does not reside with us. The phone number they call from is XXXX. 

After listening to two separate messages they left, I noticed both people obscured the last couple digits of the number they left to return the call too by speaking fast. This leads me to believe the purpose of the call is purely harassing and they know the person they are trying to contact cant be reached at the number but assume by harassing us that we will contact him. Even if I wanted to, I can not and have not had contact with my brother for several years. 

On XXXX XX/XX/2019, I contacted GM Financial customer service directly and informed them that I consider the phone calls harassing and requested they stop having XXXX contact us. They said they would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
my name is XXXX XXXX I used cashapp as a cash transaction to another consumer. This guy was advertising a laptop on the website XXXX and only asked that I pay for shipping because he had purchased a better one and just wanted to help someone less fortunate. He sais he just wanted me to write a small paragraph about whay I needed the laptop, He then asked me to send him XXXX dollars but not through XXXX  because he wanted to send it through another mailing service so I could get it quicker, He then asked me to text him my address so I gave him my pobox and he sent him the transaction. Right after that he told me it was a problem with the transaction. He then said he received it and would text me back when he ships the package. I then tried to call but no answer. Then I requested a refund through cashapp and he denied it an blocked me for requesting another refund. I then contacted cashapp but they said it was nothing they could do. I went back and forth with them for a couple days before opening up a claim with the XXXX. they gave the XXXX  the same answer that it was nothing they could do. I didn't accept this and asked the XXXX  to pursue further. This went on for weeks and finally the XXXX  closed my case and said if want to continue to try and get better results and my refund I should contact this company. Its not just about the money more than the principle that cash app doesn't have a better system to protect consumers from fraud and their not held responsible to get their consumers refund back. this is thenumber he gave me XXXX XXXX XXXX his cash app is XXXX XXXX. I also have text messages if you need them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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 ordered through Chase gift cards ( {$800.00} in total ) using points on XXXX. They said the cards would arrive XX/XX/XXXX. On XX/XX/XXXX I called because the cards hadnt arrived and was told to call back in a few days ( i.e. give it a few more days ). I called back XX/XX/XXXX and was told the cards had in fact been delivered XX/XX/XXXX ( on a Sunday? ) and they needed to " escalate '' the matter ( open a claim, for which I received a ticket # ). I called back after XXXX and was told the cards were coming through XXXX and received a tracking number. The cards are showing on XXXX that they have not been sent out. The person ( XXXX ) I spoke with today said I would have to open a claim with XXXX. After asking to speak with a supervisor, I waited on hold for quite some time ( not the 40 min. they projected, more like 15-20 ) and spoke with XXXX a supervisor. XXXX was the most indifferent of the lot. I asked for the points to be added back to my card. He said they could resend the cards and the others would be cancelled, but he could not cancel the cards and just put the points back. Then he said he would open an escalation ( no number to provide, though I got one the first time ) and that someone in Marketing would decide if the points could be restored to my account; if not, then the cards would be sent via XXXX (! ) and arrive within 3-5 business days. XXXX epitomized customer no-service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Today, XX/XX/2023 @ XXXX a.m., I received an email, from Nelnet, regarding a student loan. How could this be? This company receives loans from Great Lakes and I have never had any dealing with Great Lakes and don't have any knowledge as to how they got my information. While submitting this complaint, I am on the phone waiting for a loan servicing specialist to assist me with the information needed to find out, how, why and when this loan was issues? Please contact this company and inform them of the dispute. As I am continuing to submit this complaint, I tried to enter my information into the automated system, my social security number and date of birth were correct, but when it asked me for my zip code, it was incorrect. This made me aware, that the address information on file is not mine and when the loan was taken out, the address used is not mine. For the past 12 to 13 years, I was homeless! So, I am wondering how and why this occurred?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
for XXXX after working 30 year 's. 
I give you my word that I am getting to the bottom of this for ALL STUDENTS for ALL GENERATIONS these kid 's don't stand a chance in life if they're starting off in the negative. 
Thanking you in advance. 
XXXX XXXX XXXX PS I'm attaching copies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CHARLES SCHWAB CORPORATION, THE
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/24 my parents received a checkbook for a new account for high yield savings account with Charles Schwab. Additionally, there was a message left on their home message machine from a " Charles Schwab Rep '' requesting a callback to a number that is not associated with Charles Schwab.

I called the Charles Schwab fraud line and they told me they could close the accounts and that they had been flagged as potentially fraudulent from the start but that information had been provided to pass through the fraud checks.

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 2023-12-11
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Received two emails in XXXX from Marcus ( affiliate of Goldman ) which stated they transferred servicing of two loans I had with Marcus to XXXX and XXXX XXXX. Emails advised that there would be a new email with new account information from XXXX and XXXX XXXX - nothing received either by XX/XX/XXXX ( as originally stated in first email ) or by XX/XX/XXXX ( stated in second email ). I no longer have access to see what my balances are or a method of making payments. Representative of Marcus stated in phone call that automatic debit would continue ( WITHOUT MY AUTHORIZATION OR MY ABILITY TO CHECK OR MODIFY ANYTHING ). Information publicly available is that XXXX and XXXX website is unsecure and does not even have a security certificate with XXXX. I have no way to see what is going on and calls to Marcus are automatically directed to XXXX and XXXX XXXX and I have been cut off from automatic holds three times in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
This is my XXXX  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 items 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 alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation