BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I recieved a credit card with a {$600.00} credit limit through the mail early XXXX. A week later I noticed in my credit report that I had a balance of {$29.00} dollars. I called the company ( Kohls ) and stated that I have never opened an account there, nor do I shop at any of their stores. Apparently the account was opened in a mall in Connecticut. I told them that I dont live in Connecticut and never visited that state. The bill statement they sent out shows my middle name and last name. I never use my middle name to open credit accounts. The CC shows my middle name and last name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have been continuously reaching out to these companies for over the span of a month notify them of the inaccuracies on my report, asking if they can be updated and removed. these companies told me that they could not update nor could they remove these inaccuracies accuracies. I asked if these please be removed from my credit report and update it immediately. Thank you.

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 2021-02-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Incident Date : XX/XX/21 @ XXXX XXXX 
Location : Advance Financial 24/7 Phone # - XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have an open Flex loan with the company Advance Financial 24/7. My father was going to help me pay the balance off for this loan. Due to the insanely high predatory interest rate of 279 %, I was unable to keep up with the payments. We had an agreement made among us that I was going to pay him back in installments. We tried to pay the balance off over the phone on XXXX but for some reason were unsuccessful, and was instructed to go to the financial institution in person to make the arrangement. Due to a scheduling conflict, my father drove to the XXXX Branch to pay off the balance. I was told by the corporate office department on the XXXX that my father would absolutely be able to make a payment, but they would obviously not disclose or discuss the account with him, or even give him a receipt- that would just be emailed over to me. Once my father arrived they told him I would have to call Corp office to make a note on the account to give my father permission to be able to make a payment on my behalf. I did contact their office and advised to please make a note to allow my dad to make a payment on this loan. Not only did they discuss my account with my father, they printed out a detailed transaction summary ( with all the cash advances, dates, amounts ) and also provided him with a detailed receipt detailing the information about the loan. I have the printed out documents that were given to my father and will attach them to this summary. They clearly violated my privacy and divulged my personal information to an unauthorized party who is not on the loan in any capacity. Again he is not on the account. This is clearly in violation of the law. The amount of stress and mental anguish this created between my father and me has left an everlasting mark. I am already struggling financially and on top of this unnecessary burden is causing me even more mental anxiety. I immediately contacted the customer service # and explained the situation, and on the recorded line every representative I spoke with agree that they should NOT have discussed my account information with my father. I was told I was going to get a call from the area manager, I never received a callback. I spoke with XXXX XXXX office # XXXX and he even agreed that they violated company policy and that this should not never have happened. I have yet to receive any correspondence from any upper management, they did not provide me any contact information for any upper management. My privacy was violated and the best they could do was " I will send an email and someone will call you back. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mr. Cooper has tried to foreclose my co-op unit behind my back and I don't have a loan with them. They claim they are the mortgage company for the loan. They claim they have been sending me letters for years. I have not received the letters they have claimed they have sent me. They have been illegally taking money from the current board of my co-op without my permission, or knowledge. They claim they have documents that confirms my identity, but none of their documents match up. They have different names on different documents. They have collected money from the property manager " XXXX XXXX XXXX '', which I don't approve of either. None of the letters sent that they are showing me the envelopes of these mailings. When I reached out to them about it they refuse to give me consolidated evidence of their records. I have denied the whole loan. They will not give me a clear history of payments, or records they have on file since loan inception. This is predatory behavior, property theft, identity theft, and defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt that Credit Acceptance claim that I owe is $ XXXX they even added $ XXXX in interest. The total they want is {$11000.00}. This is something from XXXX. They are currently garnishing my wages as of XXXX. I received nothing from them about court. The representative that I spoke with told me that all correspondence was sent to my previous address. I only knew once they started talking my wages. I have paid almost {$4000.00} to date.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to fix this problem for almost 2 years now. every time I apply for credit no one is able to pull my report from Experian. I have a free account with Experian and I'm not able to see any updates since XX/XX/2021. 

I have called numerous times for over a year and the problem is not solved. I've even updated all of my information per their request, they claimed that it would be fixed and I will have access to my credit report, but that was almost 2 years ago.

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 2019-09-26
Company: Early Warning Services, LLC
State: NY
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 company treated me horibke I am a victim of identity theft and have tried contacting them they dont care they are reporting fraudulent account banks and inqueires so many and they refuse to delete this from my report its hard for me to get a bank account opened by all of this negative I for reporting about me Ive been declined at multiple Banks for an account due to the information they are reporting about me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: NY
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 company is the worst they should be out of business Im a victim Of identity theft and they have my police report they refuse to block fraudulent accounts and inqueires which XXXX  has already deleted these people Will Report things for years and dont care their system is old and outdated and they dont remove anything even though they say they will it still reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the XXXX, XXXX and equifax credit agengies but it has came back as verified on XXXX and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX  XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On equifax it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXXXXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: GOLDMAN SACHS BANK USA
State: CA
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 have opened an Apple Card which is ran by Goldman Sachs. I attempted to make a purchase for my fiance 's engagement ring as we'll be going on a trip to Oregon soon, so I can propose. My card transaction was declined on XX/XX/2023. I only know that because the vendor contacted me telling me the card was declined. Goldman Sachs did not make any attempt to notify me of the declined transaction through any means. 

I texted the customer service line via XXXX on XX/XX/2023, they told me the account was under investigation and could not provide any details, only that indeed, the credit card transaction was declined. 

I then contacted customer service via phone on the same day, XX/XX/2023 and asked about the transaction. I was told the same thing, the account is under investigation and they can't give me details. 

I was not told why was my card declined, why was I never notified that the transaction was declined, why and what am I under " investigation '' for, and why am unable to use the credit card at all now, until this " investigation '' is " closed ''. 

They also told me the " investigation '' may take 10 days, but it may be less or it may be more, which provides absolutely 0 useful information. 

I basically received a hard credit inquiry to open up a credit card that I can not use, and I receive absolutely 0 communication from the bank that I opened it through. There seems to be exactly 0 accountability on the part of Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 an email that a hard inquiry for a line of credit that I did not apply for was blocked through Transunion. I tried calling Transunion multiple times to get the inquiry removed from credit report and to contact XXXX. Whenever I called the automated system asked me to enter my DOB, Address, zip code and social. Whenever I was finally connected to a customer service representative, they asked for my social security number again and I said no. I called three times and the first The employee ( if it was really an employee ) sounded like he was sleeping and in his bed. This employee said he could not see the hard inquiry because my credit file is locked. How can you help me if you cant see what Im talking about? The other employee would not allow me to identify myself through other identifiers, and the last employee hung up on 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-08-25
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXXXXXX  I was investigating an XXXX video charge on my XXXX XXXX account. I XXXX  the phone number for XXXX on the internet. When I called, I was transferred to what I thought was XXXX  fraudulent department. The perpetrator was cunning and forceful making me believe there were pending charges on my account, and they had been trying to reach me. He had me download software on my phone and told me I shouldnt use my computer because of fraud attempts on my account. Unbeknownst to me, it was software that he was able to see everything I was doing on my phone. He then had me transfer {$3200.00} to a family member in my CashApp  account, then told me to request that they send it back to me. I did as he requested. He transferred the money that was sent back to my Cashapp  account to his account. 
When I realized something was wrong, I notified my bank to freeze my account. By than the perpetrator tried unsuccessfully to withdraw money directly from my bank account via XXXX. 

My identity was compromised ( social security, address, name ). 

Cashapp  provided the perpetrators bank, time of transaction, and amount, and last 4 digits of account number after many chats. They suggested I do research. I did the research by contacting the bank with all the necessary information for them to identify the perpetrator. The perpetrators bank was very cooperative. They took all of the necessary steps regarding fraud intervention. They froze the perpetrators account and said they will refund the money into my Cashapp account. They need a letter of indemnity from Cashapp to refund my money.

I dont have the perpetrators information because of privacy.

I have written Cashapp numerous times via their chat system and they send me the same automated response that my claim is denied because of Cash Out status. Cashapp is not responding to my request to escalate my claim to the fraudulent or legal department, regarding the requirements from the perpetrators bank, to have my money returned to me. 

On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX contacted Cashapp via chat regarding claim. 
On XX/XX/XXXX Cashapp  provided information of transaction to perpetrators bank account. 
On XXXX spoke to perpetrators bank regarding claim. 
On XXXX spoke to perpetrators bank regarding letter of indemnity. 
On XXXX notified Cashapp regarding requirement of indemnity letter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Charge off from XXXX XXXX XXXX XXXX is being reported on my account multiple times. Same account is listed over and over again. Not sure how TransUnion is allowed to have the same creditor report the same debt repeatedly as if it's a new account or new information. Same account! Credit card account appearing twice on my credit report in the amount of {$17000.00}. Only difference between accounts is they decided to add a 1 before the 4. It is the exact same account opened the same month with the same amount owed.

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 2023-08-26
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I'm trying to pay off my XXXX XXXX credit card instead of paying monthly and show it paid off on credit reports. I only 3. The other 2 are paid off. I'm trying to get the 3rd. 

So I applied online with One Main Financial. I was approved for {$11000.00} secured loan. 
In order to obtain funds, the next process is to submit the required documents. I submitted my driver 's license, vehicle registration, vehicle insurance, vehicle title, and paystubs from two different jobs ( XXXX XXXX  which they allowed, the XXXX they didn't because my proof was by bank statement and they only accept alimony, etc as proof of income via bank statement ). 

After I submitted the documents they moved the goalposts and asked for my 1040 Schedule C, and proof of tax extension. I sent my XXXX XXXX XXXX XXXX schedule C and my XXXX proof of approved file extension from XXXX XXXX. 

Now, they're saying we can't complete the loan without proof from the IRS that it was successfully extended. I responded, " XXXX wouldn't send me the email confirmation if they didn't get it approved from the IRS ... '' She then says I know, but we need IRS confirmation. That's XXXX. If I ask to see that in writing I guarantee you it wouldn't be there. They just don't want me to have the loan. I only want to pay off a {$3000.00} revolving credit card with 35 % interest. My car is worth {$6000.00}. I only {$3000.00}. They're stopping me for a file extension. Same scenario but caucasian they're not putting me through all the hoops. 

When an XXXX says they have to be XXXX better to do average, this is what they mean. We have to jump through more hoops.

Company response to consumer: Closed with explanation