BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my XXXX and XXXX credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

XXXX : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX : XXXX XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXXXXXX XXXX is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for XXXX  and must be removed from all reporting per the FCRA ss 609 laws XXXX  and XXXX  has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the XXXX  and XXXX platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately.

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: IL
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 sent a letter to XXXX a verified asking them to verify the validity of a bankruptcy they are reported on my credit file they then responded to me with a letter stating that it was verified through XXXX. Then I went directly to XXXX to dispute the item in question XXXX came back to me saying they could not verify the items in it was deleted from their database on XX/XX/2021. 

I then went back to XXXX on XX/XX/2021, showing them that the bankruptcy was deleted from the XXXX profile. Informing them if they can not provide the source of verification that this bankruptcy needs to be deleted from my credit profile immediately as it is defaming my character. XXXX XXXX responded to me that the bankruptcy was verified through the bankruptcy court I also provided to them on XX/XX/XXXX as well as XXXX and XX/XX/2021, that the bankruptcy court provided me a letter on XX/XX/2021, stating that they do not provide verification of bankruptcies to any credit bureaus. Credit bureaus are responsible for verifying bankruptcy through third-party agencies in the third-party agency that XXXX indicated that this bankruptcy was verified with XXXX who was unable to verify this allege bankruptcy as accurate information in removed from my profile as accurate information. According to the FCRA the credit bureaus must report accurate verified information in this information is not accurate nor is it verified, and they are refusing to delete this information, XXXX is out of compliance with by law and this is affecting my credit profile. 

This item needs to be deleted from my credit profile immediately within the next 30 days. 

XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In the fall XX/XX/XXXX semester, I had attended one university, and then later transferred to a new university for the Spring XX/XX/XXXX second semester. I withdrew from first university, but enrolled as a full time student at  new university. Granite State management on XX/XX/XXXX, notified me that my enrollment had changed to withdrawn or had dropped below a full time student, I immediately contacted them and was able to provide all the correct documents to show that I was in fact still a full time student, but had just transferred. We were able to work through the issue and my loan was put back in deferment. On XX/XX/XXXX, they contacted me again stating that my enrollment had changed yet again, which it had not. I checked with the university and I was still enrolled full time and even already had my enrollment confirmed for the fall XX/XX/XXXX semester, which I had provided when the first time the company contacted me on XX/XX/XXXX. 

I call the company again immediately and they refused to even look at my current enrollment and said they were unable to help. They offered for me to fill out deferment paperwork again, which I did, but they will not listen to me that I believe that they are using my former university 's status of my enrollment, and not the school I had transferred to. 

This reoccurring issue is ridiculous and they are unwilling to listen and provide me with any information. They blame the university, tell me to call them, although that is far from the case. This issue could easily be resolved, but they seem to be making it very difficult to be able to work through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over a month ago, my debit card was expired and the Capital One Bank called in and helped me to order a new one, but that one never arrived. Because of the Covid-19, the mailing system was corrupted, that's why I didn't really pay attention to it. A month ago, I checked the Capital One Bank App on my phone, and told me now I owe {$8600.00}, and I used to have a XXXX  dollars in the account. I didn't know what to do, so I visited Capital One branches for help for two days, but no one was willing to help. I saw the bank transactions, the fraud deposited 2 checks, total of XXXX XXXX dollars, then he took it out, and got the check reversed, that's how I owe {$8600.00}. He got my " lost debit card '' and doing withdrawal from ATM. They are experts. They also access to my banking account to make it seems normal. However, on the days, I was working, my boss can provide the evidence and I haven't check on that account for months. The bank didn't even check on the cameras. I don't really know how they did their investigation. So I went to the police to report, but the police said the bank needs to provide fraud affidavit form, then they can start investigation. Then I started to call the bank, they said they would investigate, then they just leave it alone and closed the case. 
I I keep calling the bank about two weeks already. I asked to speak to the manager, and they won't transfer, and telling me the rules of their bank. I really don't know what to do now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Westlake Services, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
XX/XX/2021 i received email saying go to car dealer you approve XX/XX/2021 this is what happen to me Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This Company Provide car loan to peoples that has low credit scores, The are connected to XXXX a web site that advertise cars for sale, On the site it show a pre approve letter it sends to your email show that you are pre approve and tell to contact the dealer, I found out this False advertising, and they was just giving me the run around saying i need this and multi different thing which i allready had gave the dealer, I was willing to put a down payment of half the car price, Maybe they do not work with XXXX-American and they are treated different, I I never been so humiliated in my life by westlake. they could see my bank statement That i could pay for the car in cash no financing. They wanted my physical bank account number with all my financial information expose to the dealer employees, I could not help for thinking that westlake or the Dealer going clean my bank account out, Horrible

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 2020-12-18
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
On XX/XX/2020 I was notified by XXXX XXXX that I owed them approximately {$7600.00}, and was advised to take out a private loan so I could receive my degree ( as I am graduating ). I have borrowed from Sallie Mae in the past, and had received an email from them on XX/XX/2020 stating " You're already qualified for your next student loan '' with a code to enter on their website. Upon completing the application process with the code provided, I was denied unless I had a " credit worthy cosigner '' ( despite my personal credit score being XXXX ). I started a live chat with a Sallie Mae representative about my specific circumstances which prevent me from getting a cosigner ( estranged from parents, not knowing anyone else to ask ) and instead of being given any meaningful resources to help, the chat representative repeatedly just told me to get a cosigner. Any attempt to further self advocate was met with those repeated messages. It is incredibly misleading to tell a customer that they are already qualified for a loan, only to deny them after applying despite the implications that the customer/borrower is pre-approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an insurance loss to my property on XX/XX/2018. XXXX XXXX my insurance provider took sometime in paying the mitigation part of this claim. It has been twenty five days that this company have been paid. I signed a contract with them stating that they would be paid with in five days, which they allowed me two weeks. The payment got to me from XXXX XXXX and I mailed it to my mortgage company. This was to be a non monitored claim. After submitting the two payment to the mortgage company, I asked if they could expedit this so I would not be charged the late fee and the default in payment fee. However later this afternoon I was informed that the amount of the check was over ten thousand dollar that I would have to send in a adjustor report. I would not have a problem with this, but there is not one, and they know this. The adjustor paid off of the contractors report. So now I'm stuck paying the late fee, and default payment. I explain to them that I don't have this type of money and that they need to send the check. She just told me to call back in the morning. WHO is going to pay this amount? I feel that I'm not responsible for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his CashApp username as XXXX XXXX  and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my CashApp account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. 

Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. 

I reported his XXXX page as fraud, blocked him and reported his CashApp profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his CashApp profile is still active. On XX/XX/2021, I received an e-mail from CashApp advising that the refund request had been declined because there was nothing they could do. CashApp has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. CashApp also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet CashApp seems to not care and allow this type of fraud to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This medical bill was sent to collections ( Wakefield ) on XX/XX/2019. I contacted the company after I received a letter in the mail and told them I would start a payment plan after my wife and I got situated after our move. They continued to call me several times a day, at very early hours ( before XXXX XXXX ) despite my communication and efforts to evade the unnecessary contact. This a violation of debt collector laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified CAP ONE AUTO account is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
I left XXXX long time and went back in XX/XX/XXXX just to come to know that my Citibank Credit Card Ending in XXXX was on my credit bureaus ( known as XXXX in XXXX ) as negative and I have to pay around XXXX ( {$790.00} ) to get it off from my account, after several calls to Citibank I was able to get hold of their manager XXXX XXXX XXXX on phone number XXXX XXXX XXXX, and he assured me that the account will be taken care of and asked me to file a police report on fraudulent charges, which I did, he took around 6 months to reply to me and came back with an answer on XX/XX/XXXX, and he said nothing can be done and I would have to pay the money, so I asked what about the police report, and they said police report will not be considered. 
Frustrated, I filed a complaint on Consumer Financial Protection Bureau, and I got an email from Exective office of XXXX XXXX XXXX ( Phone no. XXXX ), I spoke with him and he asked me to file a police report on lost of credit card and loss of XXXX XXXX, I did the same and after a long period of time he came back to me in the Month of XX/XX/XXXX and said I would have to pay the entire amount due and nothing can be done about it. so this clearly states how these banks are doing robbery in XXXX, I have filed a police report and they are even not considering that?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent TransUnion letters along with proofs of identification ( drivers license and social security card ). I disputed three account listed on my credit report ( XXXX, XXXX XXXX, XXXX XXXX ). I received a letter dated XXXX XXXX, stating that I need to send verification of my date of birth in prefer to have my date of birth year update from XX/XX/XXXX to XX/XX/XXXX. But my identification was included with the paperwork I sent in. Therefore, I contacted them today. I spoke with customer agent XXXX XXXX who informed me that nothing is in dispute or investigation and that my paperwork has been received. Then I spoke with supervisor XXXX XXXX who says he just updated my date of birth himself. I continue to question him as to why nothing was done regarding the disputes, inquiry removals, and update information that I requested in the paperwork. He could not tell me. I asked that they validate and verify the three accounts and if they could not send me the proof of how they validated and verified the information regarding each of the three accounts that I ASK THE THEM TO DELETE THEM AS THEY ARE NOT VERIFIED NOR VALIDATED CORRECTLY. As of today nothing has happened on there end at all and it has been over 5 days since they received my paperwork as they only require 5 days to process paperwork, as supervisor XXXX XXXX informed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2021-11-09
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CAVALRY PORT ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.

Company response to consumer: Closed with explanation