BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 noticed inquiries on my credit report that I dont recognize nor did I authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 noticed several inquiries from places I didnt know about or approve of on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN, XXXX  AND XXXX  ARE DISPLAYING THREE CLOSED ACCOUNTS THAT ARE DISPLAYING LATE PAYMENTS THAT OUGHT BE MITIGATED FOR THE XXXX DISASTER AND MY WIFES XXXX AND XXXX  XXXX THAT BEGAN XX/XX/2019 AND LASTED ABOUT A YEAR. 
THE THREE ACCOUNTS ARE XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX. ALL THREE ACCOUNTS HAVE BEEN PAID IN FULL INCLUDING ALL INTEREST AND FEES AND WERE NOT SETTLED OR NEGOTIATED FOR LESS DUE TO HARDSHIP OR NEAR BANKRUPTCY. 
MY WIFE BECAME PYSICALLY AND XXXX XXXX IN XX/XX/2019 AND RECEIVED XXXX FUNDS AT THAT TIME FOR A PORTION OF THE YEAR LONG ILLNESS GOING INTO THE TIME FRAME OF THE COVID19 PANDEMIC. 
Our current household income of XXXX was reduced to my salary of XXXX during the year of XX/XX/2019 for about a year total till my wife was able to work as a XXXX PART TIME. 
Due to the staggering loss of income, my wife 's inability to care for herself or the children, we moved in relatives with us to help and I footed that expense as well. 
We are asking for some mitigation on the unintentional lates caused by XXXX and pandemic and the fact that we made good on our total debts even though it was almost impossible and Bankruptcy looked like the opnly sensible action. 
We have disputed these accounts many times providing information but are limited by space for explanations. 
The lates were caused unintentionally, primarily by acts of XXXXplease mitigate the severe harm taking into consideration my situation and the fact that you were paid in full without compromise.The lates are harming my ability to buy a much needed home for our growing family and the damage they inflict to that loan process I feel is not deserved.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I was laid off from my job so I called XXXX to tell them I'd be late paying. They supposedly marked it down. About 60 days later, I don't think it was even that long, I got a letter from XXXX a debt collector. I paid that day. It was only {$60.00}. They actually sent it to the credit agencies. It's been 4,5 yrs now and it's crippled my life in many ways. My XXXX  would be XXXX, it's about XXXX because of this inaccurate information. I've called XXXX several times, disputed this with all XXXX bureaus and also hired XXXX XXXXthey we're totally useless. It says XXXX balance but it has a delinquency on my reports. I've tried everything ... How can 1 company have all this power over someone's life?? It's a utility in case I didn't mention 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In or around XX/XX/XXXX of 2021, I logged into my CashApp account to retrieve a deposit but was told that I'd need to order a Cash Card to continue. I went and placed an order and was met with the message : an unexpected error has occurred. Please try again later. I went ahead and tried again and got the same message. I submitted a contact request the following day, and within 48 hours, they informed me that they could not tell me the exact reason why my Cash Card order could not be placed and that I'd have to wait 14 days.

Last week, I attempted to order my Cash Card again but was met with the same result, so I contacted CashApp support and received the same response. This time, though, I ioffered to provide supporting identification documents because I believe that is what's keeping them from completing the order or disclosing information about why my order couldn't be placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Within the last 48 hours, my husband submitted a complaint to CFPB for an alleged debt that was never reported to him and he received a call from the collection agency on our landline, and now I received a call today on my cellphone from Optimum Outcomes Inc. from their main number XXXX that I did not answer at XXXX XXXX. Of course, no message was left and there has been absolutely no written notice of any debt from any provider, let alone any billing, for years at this point. Continuing to call a party with absolutely no proof of any debt or even giving an opportunity to dispute a debt is simple harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 2020-02-11
Company: CNG HOLDINGS INC
State: MI
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:
This company has furnished my XXXX credit report with false information regarding an account with am owed debt attached. I never went into contract or agreed to any contract with company for any reason. They illegally obtained my information to falsely report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter North American Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: GREAT LAKES
State: MN
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 applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting information on credit report wrong

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with TransUnion, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents. 
Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted 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 non-monetary relief
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
I disputed two late payments for my car note from XXXX XXXX for months XX/XX/XXXX and XX/XX/XXXX on my credit report from Experian. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: MI
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 have contacted all three credit bureaus regarding inquires and other information on my credit report. There are wrong addresses and accounts that are not mine, along with other wrong details. The credit bureaus refuse to comply with the FTC  laws about credit reporting. On or around XX/XX/18 another attempt to resolve this matter was ignored by each credit bureau. I have tried for years to get this resolved with no success. My credit report has been abused by the credit bureaus and I want this to stop!

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 2023-06-28
Company: EQUIFAX, INC.
State: MD
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: URS Holding, LLC
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 24 years old and at this point I want the garnishment removed and the debt to be forgiven. 

I spoke to someone with this company less than 6 months ago who told me I owed $ XXXX with fees and interest and when I spoke to them today they are saying I owe approximately $ 13K when I asked how that much interest accrued in short time he was very rude and condescending. I dont believe I owe what they are saying and I shouldnt be garnished for a 25 year old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Navient Solutions, LLC.
State: GA
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:
1. I originated a XXXX XXXX with Sallie Mae ( now Navient ) on XX/XX/XXXX in the amount of {$30000.00}. 
I finally was able to pay off this loan with a balance of {$30000.00} or {$170.00} less than the original loan amount, after making payments for 15 years!!! I tried to understand how my payments were being applied but I could not make any sense out of their explanations! My conclusion - this company is a thief!! 

2. My payoff amount sent to Navient was {$30000.00} or an over payment of {$180.00}. In a telephone conversation with Navient on XX/XX/XXXX, I was told this amount would be refunded to my checking account before XX/XX/XXXX. Today, XX/XX/XXXX, I do not have the refund. I called Navient today and was told the refund would be processed in 5-6 days. I do not believe they have any plans to refund this amount! This is more of the same style of service I have received over the life of this loan! 

It is my opinion that this company is taking advantage of student loan borrowers and is acting in usurious practices and should be charged, at a minimum, with acting in violation of Fair Business Practices. 

If I follow the payment schedule provided by Navient this loan would never be repaid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: LA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.

Company response to consumer: Closed with explanation