BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Affiliated Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed a contract with XXXX XXXX XXXX in XXXX of XXXX. Contract is attached. Nowhere in the contract have I provided my SSN. This business reported to the credit bureau as if I have a payment installment debt with them from the beginning. I was never notified of this action, neither in contract nor by mail, nor in person. We were promised in summer of XXXX the XXXX XXXX testing for my daughter will be completed by XX/XX/XXXX. In XXXX of XXXX those promises have been broken and the date changed to sometime in late Fall. In XXXX of XXXX we contacted the business asking them to release us due to change in dates and our commitments with other programs that we have made based on their initial promises. In XXXX after Covid19 breakout we were convinced we didnt want to have group classes and stopped attending them. We sent out a letter to the company stating the reasons of our decision to terminate the contract. Our main complain was us discovering they have fraudulently obtained my SSN and reported it to the credit bureaus as a loan. After this finding I didnt feel I wanted to have any business with them. Their mission promise on their front page is not what they practice in reality and far from truth. Online classes for a XXXX XXXX  preparedness is far from high standards and that is not how I want my child to be taught martial arts, but according to their unilateral contract we are still obligated to pay the gym fee even if the business is closed! We are still obligated to pay the remainder of the contract even if we have moved more than 25 miles away. We are still obligated to pay even if we have medical condition. They is no clause in that contract that will release us from this contract. They broke the law and they will not answer my emails, numerous phone calls. The collection company advices me that they will report me to all the credit bureaus if I dont pay the debt. I informed them I dispute this debt but no one is following the steps in the collection process. Attached please find the contract and my letter to the business to which I never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and equifax reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and equifax XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...

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 2021-05-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX Money Transfer ( Western Union ) I did a money transfer to XXXX XXXX, after several times, the money never cashed there. During this period the Company XXXX answers my questions, but they never resolved the problem. 

I asked for my money back, and they said only in the same Agency I sent the money. The same Agency in XXXX refused to give me the money back, only another Western Union Agency. I went to the New Agency and they said didnt get the money, and then I went to the original Agency in XXXX and they refused again. During this process I was calling all the time customer service people, but everyone gave me wrong information. 

After waiting, I spoke with a supervisor and he said the same. They need to contact the Accountings department to get my money back : 7 days waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have money on my cash app card I've reached out to cash app about this problem and they stated to contact Unemployment I spoke with unemployment and they said that they can not retrieve the money and tell cash app to return the money back to unemployment which they have not done I can not reach cash app to resolve this issue they have lock my cash card and will not allow Me to get my money off My Cash Card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Credit reporting, credit repair services, 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:
THESE COMPANY ONE MAIN HAVE PULL MY REPORT THREE TIME AND I LOST 21 POINT WITH OUT MY AUTHORIZE AND DID NOT APPLY WITH THEM, you can not give some one information with out there consent or authorize that is a serious violation of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.

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 2018-05-01
Company: Perfection Collection
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then XXXX XXXXXXXX XXXX # XXXX. 
DISCOVER FINANCIAL SERVICES # XXXX 
XXXX XXXX XXXX  # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I applied for deferment and was under the impression it was filled out correctly. I was never notified and when I realized my credit had been hit 28 times in 7 months, I reached out to them and started making payments. XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
there ran a hard inquirie without my permission

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 2021-03-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX of 2020 I called to the company who is looking to receive a payment from me. I told them I never had a XXXX phone bill or a contract with them. That it was fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Problem with personal statement of dispute

Complaint:
Hello I submitted my dispute regarding XXXX XXXX company with trans union on XX/XX/2020 and XX/XX/2020 that dispute came back verified but the problem is trans union Violated the FCRA by not giving me the information that I had requested in my initial dispute FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my dispute trans union violated the FCRA and I would like to have that account removed and any monetary consider for trans union violating the FCRA

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
Missed payments due to COVID-19 would like to request a Goodwill Letter

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 2020-11-15
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, my two factor authentication was attempted to be reset, which I initiated. For six months, I have went back and forth with this business, attempting to reset my two factor authentication after I broke my phone. They have been impossible to reach, stating that I need to log in, to be able to contact them. Of course, this is impossible because my two factor authentication is not available. When they reset my two factor authentication, they failed to reset BOTH numbers on the account, proceeding to LOCK my account, failing to allow me access to both my money, and my account. They now will not allow me to contact them at all, removing the access from their website entirely. I have repetetively attempted to contact this business, from twitter, to phone, to email, to direct messaging. All attempts have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: Navient Solutions, LLC.
State: MD
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:
On XX/XX/2020, my loan was reclassified as a commercial loan through Navient.com When I called on XX/XX/2020 at XXXX, I spoke with 4 different representatives, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during one 46 minute call. Three agents indicated that my loan was " coming up '' as a commercial loan. And the last person I spoke with a supervisor named XXXX, at XXXX, she indicated that my loan was indeed a federal loan, but that Navient classifies it as commercial because Navient bought the loan and it is now owned by Navient , so federal laws like the CARES ACT do not apply. 

That is illegal under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. 
Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. 
I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. Unknow debt. 
I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CHARLES SCHWAB CORPORATION, THE
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I deposited my paycheck into my XXXX banking account when I signed up I signed up for brokerage Plus mobile checking my brokerage account is open but I can not get a checking account to open up there for all of my money is stuck in my brokerage account now and I am unable to withdraw my money I tried getting a hold of XXXX to get this problem fixed they tell me that I need my identity verified I tried calling identify my identity they tell me that I don't need to do anything and that my account should be working soon here it is a few days later I still can not access my money and XXXX still will not do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-25
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:
This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX and EXPERIAN the credit companies are not complying with their own policies in a timely manner.

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