BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TFC Credit Corporation of California
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After recent fraud on my credit report I have looked into accounts deemed in accurate. The debt collection agency TFC has been unable to verify the account is mine. I am Veteran and went to XXXX XXXX, utilizing my VA benefits. I would like proof of the agreement signed accepting the private loan because I never signed for a loan nor was that given to me as an option. Please provide the contract accepting the loan or documentation I had agreed to be responsible for the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.

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 2020-02-06
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are part of the PSLF program. I am a XXXX  and have worked in a XXXX since XXXX. I have accumulated at least 5+ years of qualified payments under the PSLF program. As of my most recent yearly employee re-certification form they ( Fedloan servicing ) is saying that I've only made 9 qualified payments. I contacted them ( Fedloan servicing ) on XX/XX/XXXX about their mistake. On XX/XX/XXXX I received a bland e-mail saying my account was in review. It is XX/XX/XXXX and have yet to have this problem resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had set up an automatic Payment option for every third  friday on each month to pay off my debt and for two of the payments, they went smoothly. However the last two payments got declined ( {$100.00} on XX/XX/XXXX ) and ( Final payment of {$79.00} on XX/XX/XXXX ) because the portfolio recovery company changed the time to charge the account from XXXX XXXX  to XXXX XXXX  causing the payments to be declined.. i had previously settled for a lower amount and now i have been charged {$40.00} more for a new settlement. So i now have to pay a payment of {$200.00} to close out the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: OH
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 am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on  my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, experian & XXXX  asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business

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 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$20000.00} -This is not my account. 

3. XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: First Federal Credit Control, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday, XXXX  contacted me through email that I had a change to my credit report. I checked it. First Federal Credit Control reported on my credit report that I owe two bills for the amounts of {$120.00} and {$74.00}. The report says the original creditor was XXXX XXXX. 

I have never heard of the collection company or the original creditor on my report. I also was never notified by the collection company or the original creditor for a bill. I am disputing both amounts since these bills do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
So the irs says my money was deposited on the XXXX of XXXX. I talked to multiple people on the PayPal chat and got guaranteed me it would be there on the XXXX but here it is four days la tu or and nothing. They put a trace on the deposit and said they dont see it.. IRS SAID IT WAS DEPOSITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$150.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XX/XX/XXXX with ACCT # XXXX opened onXX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Prosper Marketplace, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a 36 month installment loan from XXXX XXXX on XX/XX/XXXX. After submitting the data requested I was approved for a loan up to {$12000.00}. I requested {$7000.00} and supplied the documents requested for proof of income. Two days later I received an email stating I should call because they had a few more questions. I made the call, spoke to them over the phone and was informed that everything was good and the loan was approved. I completed the final paperwork including the Truth in Lending Statement agreeing to pay them {$230.00} per month for 36 months with a APR of 12.99 %. They said I would get an email confirmation in 24-48 hours and the money would be deposited in 2-4 business days. That didnt happen so I called back and they said I had been misinformed by their representative and they would need more information. I asked them why was that necessary when I already signed a promissory agreement to pay the amount borrowed and that as I understood it being a mutually verified contract. They refused to honor the agreement when I called on XX/XX/XXXX at XXXX  EST. I want them to honor the contract I signed with them. If there was a mistake it was on their end and does not forgo their legal obligation to abide by the contract presented by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Convergent Resources, 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:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

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 2019-02-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Someone stole my identity and completely erased my credit history. I need to know how to go about putting all my accounts back on my credit report with all 3 bureaus. Someone has opened a credit monitoring account in my name and is disputing accounts that are actually mine and having them removed form my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Performant Financial Corporation
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

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 2018-07-11
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:
As of XX/XX/2018, Equifax has 2 addresses on my credit report that I have NEVER lived at OR any of my creditors have had the addresses, that's why I filed a ID THEFT report with them. For some reason, XXXX  DELETED all the addresses, but, how can EQUIFAX keep them on the report? How does ONE credit bureau DELETE THE ADDRESSES and the other doesn't?? Equifax needs to delete the following FRAUDULENT addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2019-02-05
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified in 2016 by XXXX XXXX  via mail correspondence that I had a Personal Line of Credit that was significantly past due. At one time I had a checking and savings account with XXXX XXXX, but I had closed those accounts. I was not aware that there was a line of credit opened in my name. I attempted to resolve this issue at the branch closest to my home and no one seemed able to help me. They filed a fraud claim for me and they showed me the signature on file for the Line of Credit that the bank employee agreed, did not match my signature. The fraud department refused to help me resolve the issue. I asked how I owed money on a line of credit that I didn't know I had and have never used and they said it was from overdraft transfers from monthly service fees in accounts that had never been closed. So now I am in collections and have a bad credit rating because a line of credit was established for me without my permission and transferred money to cover overdrafts solely due to monthly service fees and not any purchases/charges that I made. The banker apparently sign me up for a line of credit to hit some sort of sales quota and I am left owing over {$700.00} to a collection agency for fees b/c of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: AL
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 disputed an unauthorized credit inquiry with XXXX XXXX XXXX. XXXX XXXX sent me a letter stating it would be deleted from my credit report and they have contacted Equifax and requested this unauthorized inquiry be removed Equifax did not. I mailed a copy of the statement that I received from XXXX XXXX stating this information should be removed. I received a response that the information is factual and will not be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Credit Karma, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2023, Credit Karma and XXXX invited me to apply for a XXXX XXXX  also XXXX XXXXXXXX XXXX XXXX card with excellent approval odds. I proceeded to use it on XX/XX/XXXX, XXXX XX/XX/2023, to be denied the credit! At the time Credit Karma is offering a {$50.00} convenience fee for applying if the application results in denial. I have not received either payment for either application. Credit Karma is also reporting invalid contact information for myself as well, which has been updated several times. Please inform the credit bureau to use updated contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Certified Services, Inc.
State: IL
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:
Certified services inc. 
For the amount of XXXX i do not have know anything about this company or where it comes from this is identity theft and i am highly upset this is on my credit and this is messing up my name and my life and i am willing to get this resolve as soon as possible and i am willing to take every step to get this issue resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied in late XX/XX/XXXX for a secured card w/Capital One. I received my card in the mail in late XXXX, and attempted to activate it. I was informed I had to go through additional fraud protection screening. While this screening was in-process, I was informed there was an error with my deposit and that I needed to contact customer service to rectify the issue. I attempted to do so, and was unable to fix the deposit due to the fraudulent flag on my account. I was instructed to await the fraud department 's decision. As of today, XX/XX/XXXX, the fraud department has cleared the account -- however when they went to activate my card so I could use it, they were unable to as the account had been closed by another department due to the fact I did not rectify the deposit issue in time. I was instructed to reapply for the card, which I did and was promptly declined as I had already recently applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2018-02-23
Company: EQUIFAX, INC.
State: MS
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 have send several letters out to Equifax about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, Equifax, XXXX I have 18 hard inquiries on XXXX 43 on Equifax and 16 on XXXX  it has been over five months and I have not heard for any one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Coinbase, Inc.
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have lost access to my email that is associated with my coinbase account. 

I made a new email and submitted my ID and Photo so I used the new email to recover my account and the ID was accepted. 


It has been a month since I submitted my ID for verification but still no resolution to the issue. 

Note : According to Coinbase website, it takes 48-72 hours to verify the ID and photo

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
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:
I have a mortgage reporting from Citi Mortgage on XXXX  and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and Citi Mortgage multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

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