BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: MOHELA
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, at XXXX XXXX  I received a call from a number I did not recognize. I do not answer numbers I don't recognize. Shortly after I had the following text exchange with the number who I will call XXXX ( he later revealed his name ). 

-- - XXXX  : Avail for a call? 

Me : who is this? 

XXXX  : Hey [ MY NAME ] .... this is XXXX. I just tried to call you and sent you an email Me : XXXX who? i don't know a XXXX. 

XXXX  : Look at the email, and then let 's talk!! 

Me : no thanks XXXX  : No, we haven't met ( yet ) This is about your XXXX  account XXXX : I am XXXX XXXX ... .. this is my cell, so you can reach me here anytime Me : i don't have an account with a company called XXXX. this is an incredibly unprofessional way to contact someone be it for business or personal means. do not contact me again. 

( Here I received a call from the cell number again, then a call from a second number ) XXXX : This is MOHELA. 

Me : then contact me through a verifiable company number and not a personal cellphone. the XXXX kind of business practice is this? and maybe do it during regular business hours? thanks. i'll be filing a complaint with the FTC. 
-- - I called MOHELA shortly after and asked to file a complaint about an employee who was using a personal cell to contact me. I was directed to their branch called XXXX  and the office was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$450.00} This is not my account. There has been a fraud alert on my account for several years. I have no business with this company. It is affecting me to obtain employment during these challenging times. If I need to seek an attorney in this matter then I will have to seek additional damages.

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 2021-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an USAA member since XXXX, and today ( XX/XX/XXXX ) I made a transfer from my XXXX XXXX XXXX XXXX to one of my checking accounts with USAA in the amount of {$13.00} to pay for an XXXX subscription. I made the transfer through my USAA app and did not see any indication that my small transfer would be on an extended hold to become available, or else, I would not transfer any funds to that account. After I finished my transfer and logged on to XXXX, I noticed that my {$13.00} subscription payment was not processing, and when I searched the reason for that, I saw that my USAA account had a 7-day hold for my transfer in the amount of {$13.00}. I contacted USAA and asked why there was a 7-day hold on such a small amount, and the representative ( XXXX ) told me that USAA is committed to create strong relationships with members, and since I had a {$5.00} NSF fee on the past 90-days, from now on my transfers would be subject to holds. I asked XXXX how could USAA would be creating stronger relationships with members by creating hardships and I felt that actions like those do not create stronger relationships. I then asked XXXX to connect me to a supervisor, he put me on hold for about ten seconds and returned back to the line offering to get me a call back from a supervisor and did not make any effort to transfer me to a supervisor. I feel that USAA is creating more inconvenience for members during times of a global pandemic and members like myself are being punished and discriminated over small problems like the {$5.00} NSF fee. I don't believe I would cause a loss to USAA over {$13.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Date Open : XX/XX/2020 Amount : {$550.00} Company Name : {$550.00} Date Open:XX/XX/XXXX Amount : {$2200.00} I am a victim of identity theft and have reached out to the companies several time with no success. I would like these fraudulent accounts removed from my credit report. The accounts do not show up on all credit bureaus. 

There are several inquires also that I did not authorize I will list them below. 


Company : XXXX XX/XX/XXXX Date : XX/XX/2020 Company : XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2020 Company : XX/XX/XXXX XXXX XXXX Date : XX/XX/2020 Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XX/XX/XXXX, XXXX Date XXXX XX/XX/2020 Company : XXXX XX/XX/XXXXXXXX XXXX Date:XX/XX/XXXX Company XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX, XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX  Date:XX/XX/XXXX Company : XXXX XXXX  XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : 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 2021-03-03
Company: SYNCHRONY FINANCIAL
State: AZ
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'm a XXXX XXXX XXXX  using my PayPal Credit account to make a large purchase. 
Amount XXXX Card limit XXXX Available credit XXXX Gym equipment from XXXX XXXX XX/XX/XXXX. 
The transaction was flagged for review to the amount and rejected for " compliance reasons ''. I've requested an explanation of this description but they've failed to provide, they have provided misinformation while troubleshooting, and altogether can't seem to figure out what the issue is. The funds were held for a week while they tried to figure it out. Upon their request, I retried the transaction multiple times. It failed multiple times. Now, the vendor prohibits me from submitting any transactions as a security precaution. 
My gym purchases directly affect my ability to service my clients. Equipment is on back order and rarely in stocks as well. Being unable to submit this transactions reduces my revenue opportunity and places significant delays on an already stressed market.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: WA
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 am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
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: Account status incorrect

Complaint:
in XX/XX/2014 XXXX XXXX called me on the XXXX first day to say I payed XXXX dollar short, I ask them why they didn't call me before oh were sorry we don't bother our good customer, and I said but youll call me one day after 30 so you can ding my credit, were sorry I heard if you look at my 5 lease with XXXX ive not ever miss or was late ever, for them to do this is inexcusable and very unfair practice to your so call good customer, its very unfortunate to have to go through all this but for them to ding my report is very unfair and very unjust

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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a complaint due to some fraudulent addresses on my credit file and I never received a proper response from any of the credit bureaus, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, please delete any other address. 
these addresses are fraudulent, please delete them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I requested contract validation from the following companies : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX US DEPT OF eDUCATION/XXXX XXXX XXXXXXXX, XXXX XXXXXXXX # XXXX. This is the 3rd time I have complained about this issue.

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 2020-07-24
Company: WELLS FARGO & COMPANY
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-03
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
In XX/XX/2020 i sent equifax a letter to remove a fraudulent account they have the account reinvesgating for 4 months its now XX/XX/2020 havent heard anything so i tried to call them today too see whats going on NOBODY ANSWERED when i asked to speak to an agent it sent me straight to the survey to rate the agents conversation but i spoke too no one! This is really fustrating that i have to wait 4+ months which is a BIG violation  according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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:
EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 607 AND 609 ... VARIOUS ID XXXX  ACCOUNTS ON FILE NOT MINES, NEVER DONE BUSINESS WITH COMPANIES AND ACCOUNTS OUTDATED REPORTING ... REMOVE ALL FRAUD ACCOUNTS LISTED : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX '' EXPERIAN REPORT # XXXX XX/XX/2020

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 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I love to use the app XXXX, which rewards users for sharing their credit card history, and recently it has stopped working for me. When I asked about it, they let me know it was because of a decision by Capital One. 


Below is an email that I received from XXXX that may help clarify. 


We just wanted to loop you in on the Capital One delays our service providers are experiencing! 

They've let us know that Capital One has recently begun blocking customers ' access to their own data through third parties ( this being our providers - XXXX ). But the good news is that you have the right to access your financial data and can take action!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: MA
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 opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.

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 2018-07-28
Company: 2288984 Ontario Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Their investigation did not fix an error on your report

Complaint:
I never gave any written or verbal consent to Transunion, XXXX, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since 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 2018-03-07
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.

Company response to consumer: Closed with non-monetary relief