BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I owe my XXXX XXXX payment to XXXX XXXX on XXXX. And that payments I have already paid off by me to XXXX XXXX XXXX confirming XXXX as a my debt collecting agency, file # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX reported on my XXXX  credit bureau on collection of {$6.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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:
( 103 true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX Experian Report Number XXXX XXXX  Block me from seeing my credit report but here 's the list of accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card through Kohl 's Department Store ( XXXX ) was fraudulently opened in my name on or about XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have  Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and TransUnion And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

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 2021-09-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my XXXX XXXX XXXX on XX/XX/XXXX. Hyundai finance has yet to send me the title. I call every day to customer service and what they tell me is that my account shows active so the title department can't send me the title until the account is inactive. They claim they email the department to correct this mistake. It is now over a month and the folks at Hyundai still tell me that the title has not been sent.

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 2019-03-20
Company: AES/PHEAA
State: AZ
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 mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago. 


I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: TN
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:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and XXXX  And Equifax. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: CONRAD CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ACCOUNT NUMBER # XXXX I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and they received my request via certified mail on XXXX company has failed to validate this debt by not responding at all. 

Please provide the following validation of debt request : - Proof of your right to own/collect this alleged debt - Balance claimed including all fees, interest and penalties - Contract bearing my personal signature If you can not validate this debt you must delete this information from my credit file and cease all collections activities immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXXXXXX XXXX Also a lot or inquires In XXXX i spoke to a police officer they gave me a police report I called all 3 beaus with the report number.

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys

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 2019-02-12
Company: Experian Information Solutions Inc.
State: TN
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:
The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under Erxerian and XXXX And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, XXXX for amount of {$630.00}. I have sent Portfolio Recovery Associates, XXXX  debt validation in which they did not respond. They also reported this item to my credit reports with XXXX, XXXX and XXXX. The item was removed from my credit reports then placed back on. Portfolio Recovery Associates, XXXX has not complied with my request at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: AES/PHEAA
State: CA
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:
I am an XXXX  who is currently in my 13th year working for the XXXX XXXX XXXX. I previously had loans with XXXX which were taken over by XXXX. The Public Service Loan Forgiveness was brought to my attention and I learned that my loans would have to be transferred to XXXX XXXX. Once everything was completed, I immediately noticed numerous issues. I have always consistently paid my loans and have never had poor standing in terms of paying on time. Based on the practices of XXXX XXXX, it seems as if they are purposely attempting to bring upon hardship and force me into a payment that I can not carry. My payment when moving from XXXX to XXXX XXXX was {$430.00} on XX/XX/XXXX. During the first week of XXXX, I called regarding finding out how to ensure that my loans would qualify for the PSLF since that is the only reason I moved my loans in the first place. Fast forward to now, I applied and come to find that my payment has increased! I just received notice that my monthly payment will now be {$630.00}! Never was I told that applying to change my repayment plan would increase my payment. I have a mortgage and other bills and this fluctuation in payment will create financial hardship in my household. It seems that each time I call and speak to a representative my payment increases and I am given conflicting information from each representative I speak to. I simply ask that my payment stay within its original range and now soar to what I am expected to pay on XX/XX/XXXX. Each time I call to ask for help, my loan has been put into forbearance without my permission or I have been given incorrect information that has led to a higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL 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 2021-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After filing several disputes with Equifax and XXXX, both still refuse to remove a collection account from my credit file long after the creditor sent me a letter indicating that the account is paid in full and that the company would be notifying the three major credit reporting agencies to take the appropriate action on the account. Both companies are in violation of the Fair Credit Reporting Act! 

See current copy of my Equifax report still showing the account as a collection account with a XXXX balance. 

See copy of the letter sent from the creditor that describes the statement I mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment in amount of XXXX on XX/XX/2020 at XXXX made to company, reference # XXXX. Bank statement reflects payment of XXXX processed on XX/XX/2020. Company refuses to remove this from credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Data and Contact Management Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX dated a letter XX/XX/2019 claiming the estate of my Mother owed their client. They did not disclosure any information pertaining to their supposed client. According to Federal Law they had 5 days from that XX/XX/2019 to validate debt. A letter of dispute was immediately sent. XXXX XXXX   sent another letter dated XX/XX/2019 disclosing their client and balance amount. Their letter is more than 30 days from their first communication once again in violation of Federal Law. Furthermore the lease signed by the decedent I represent states that it is not transferable in any way or for any reason thereby voiding it in it's entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, XXXX 2021 all of my money was transferred from my bank account to my cash app. My money was then sent from my cash app account to a cash tag XXXX XXXX. The amount of money that was transferred from my bank account to cash app was {$3200.00}. First {$10.00} was sent and then {$1000.00} 3x and then {$280.00}. I wasnt aware of this until the following morning which was XX/XX/XXXX. Cash app doesnt have a phone number so there wasnt anyone to call. I immediately tried to request a stop on the funds being transferred and I also called my bank to dispute the charges. My bank account was wiped clean. A few days later I received an email from cash app saying that it was my device that the transaction was done from. This is absolutely impossible. Im explaining to them that I didnt do it. I even asked them if this cash tag had any other fraud claims and they wouldnt disclose the information. I asked for a corporate number and they said they dont have any number for consumers to call. They also told me that they wont not email me back anymore about the same dispute the decision was final. Cash app then told my bank the same exact thing. So Im out of {$3200.00} because it was sent to some mysterious cash tag that Cashapp is protecting. I honestly think cash app is scamming people and taking their money because theres no way this should have been handled so carelessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My house was damaged by hurricane Irma in XX/XX/XXXX. I received a check from the insurance company ( XXXX XXXX ) for {$69000.00}. The check had my mortgage company ( USAA ) listed as one of the payees so I needed their endorsement to cash the check.

I provided all required information that USAA asked for to show the house was repaired. They even charged me {$35.00} to have an inspector inspect the home to insure it was fully repaired.

I overnight mailed the check to USAA and they received it on XX/XX/XXXX. I spoke with them on XX/XX/XXXX. They advised me they would endorse the check and send it back. On XX/XX/XXXX they cashed the check and advised me they deposited into their account. They no longer feel the inspection that they was completed in XX/XX/XXXX and that they charged me for in XX/XX/XXXX is good enough. They have not rescheduled another inspection they are just letting it sit for now. 

They have provided no details on what they now require. They have stated they are reviewing the file and let me know what they will do once the review is complete. 

Their website " XXXX '' states my inspection was cancelled and needs to be rescheduled but, I can't reschedule it because it is completed. 

From XXXX to present I completed all the repairs to my house. Their inspector agreed that all repairs had been completed in XX/XX/XXXX. They have now cashed the check and are keeping the funds because they are unhappy with the inspection they completed and charged me for. 

I have even asked them to apply the funds to the mortgage balance. USAA stated they are not able to do that because the funds are not mine. They stated the funds are now theirs until they complete the review with no details about what they are reviewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Dynamic Recovery Solutions, LLC
State: TX
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:
Approximately XX/XX/XXXX, I hired a law firm to dispute a fraudulent debt that showed up on my credit report with Dynamic Recovery Solutions in the amount of {$4800.00}. We sent them a fraud packet and advised them the debt was fraudulent. I understand the original debt was from XXXX XXXX and Dynamic was responsible to forward my dispute to them as well. A response to the dispute was never received. I assumed it had been resolved. Later, I realized the debt was still showing up on my credit so I had another dispute sent it again in XX/XX/XXXX/XX/XX/XXXX. When we followed up with Dynamic Recovery they advised the debt had been sold to XXXX XXXX XXXX. This debt should not have been sold because it was identity theft. I contact the number for XXXX XXXX and it appears to be a bogus number. I have attempted to dispute this with the credit bureaus.

Company response to consumer: Closed with explanation