BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???

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 2022-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a member of USAA for almost 28 years. Yesterday, on my pay day, my wife and I were paying bills when we were asked to verify a purchase we made. We verified the purchase more than once with USAA and XXXX and the purchase was still declined. I then called USAA to advise them that the purchase was not fraudulent. While I was on the phone with USAA, with no notice, my account was placed into a " credits only '' status. Because I have recently transitioned from XXXX XXXX to retirement we are still making adjustments for a paycheck every two weeks to once a month. As such at the beginning of every month I have to pay all my bills, buy groceries, purchase gas for the commute to work, etc. I haven't a single dollar to go to the grocery store to purchase food for my family. I have a family of XXXX and this is just not acceptable. Additionally, because I was never notified I could not stop any online or automatic payments for my auto loan, utilities, water, Internet, cell phone, TV, etc. Now, the vast majority of these companies are going to charge me a fee for having declined payments. When it is all said and done the {$300.00} verified purchase we tried to make is going to cost me well over {$300.00} in declined transaction fees from all of my various attempted payments. I am being penalized for doing nothing fraudulent. My wife, XXXX kids, and I are going to suffer for attempting to follow USAA 's own company 's protocol by verifying the attempted purchase was indeed not fraudulent. Additionally, after 4 phone calls, and more than 4 hours on the phone, no one can assist other than saying I will have to wait 3 business days for this to be resolved. This happened on Thursday which equates to 5 full days that my family and I will be without money, food, gas, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21 I filed a dispute with cashapp ( square inc. ) that included approximately 81 transactions totalling approximately {$4700.00}. There were 2 different sites that made several withdrawals each on my account, XXXX XXXX XXXX and the other was XXXX. I was informed when I filed the dispute that I would receive an update within 10 business days. I spoke with customer support through the app to find out if there were any updates on a couple of different days. This is the only way you can communicate with cashapp. I have asked for a phone number or email to someone that can help me however I get the same response from all reps, " your case has been escalated " which must not mean anything. Today is XX/XX/21 and XX/XX/21 was the 10th business day and still I have not received any updates from cashapp ( Square Inc. ) When I went to support in the app I received the same response as any other time. Its been escalated. I very much appreciate any help you can offer me. My family and myself desperately need our money returned asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my annual Income-Driven Repayment Plan re-application to XXXX XXXX and Navient TWICE per the studentloans.gov instructions - the first application was # XXXX and was submitted onXX/XX/XXXX and the second was # XXXX, submitted XX/XX/XXXX. XXXX XXXX  only confirmed receipt and approval of my application upon my filing of an inquiry to studentloans.gov on XX/XX/XXXX - case # XXXX. Navient took two more weeks and only approved my application yesterday because I wrote a strongly worded email to their " customer advocate '' after my automatic payment was 200 % higher than normal. I am already stretched thin financially after moving across the country and taking a pay cut to be closer to my family and I overpaid on my student loans this past month because of these service providers ' neglience and irresponsibility ( or just unwillingness to process my application ). The moral of this story is that student loan providers are no better than loan sharks who will use any means necessary to extract all the money they can from their customers, who are now virtually required to get some sort of degree to be competitive in the job market. My family did not have the means to pay for me to go to school and I wish someone had told me how predatory the student loan industry is before I signed on the dotted lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-31
Company: ACRANET INC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over days and I havent received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every 2 weeks until i lost my job. 3 days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX XXXXXXXX XXXX  reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never 120 days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information XXXX told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.

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 2017-10-27
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well.
XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX  XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, I went, in person, for the XXXX time, to the Chase branch on XXXX XXXX, XXXX, TX, to request XXXX XXXX  wire transfers to my XXXX sister, XXXX in XXXX, the other in XXXX. I had with me ALL documentation to show who I was, and all needed information about the Banks of my sisters ( BTW First time I went, the lady who was supposed to help me said that there were XXXX number missing, about the Banks, but after calling my sisters, who went to their banks, and were told that info should be sufficient, I returned to the Chase branch, and XXXX XXXX, with exactly the same information that I had presented the day before, was able to initiate the wire transfers. Or so I thought! 
Except tha a few days later I received a letter from Chase saying that their Electronic money Mover Team had CANCELED the wire transfers, that seemed to them unusual, but without contacting me nor the branch! When people go in person, it seems logical to assume that they really want the transaction to go thru!!! 
Any way, since then I have spent countless hours on the telephone with them, often waiting up to XXXX minutes waiting for a person to come to the phone, and I have gone to the branch XXXX more times, and now they want me to the branch again!!! 
I am XXXX ( soon XXXX ) years old, I XXXX XXXX any more, so XXXX have to take a cab to go there, with time and expenses adding up. It is a real inconvenience and totally unfair!!! 
They have created the mess, and caused me a lot of frustration XXXX XXXX, and they should be able to resubmit the wires without me having to go back agin for the XXXX time : they should have all the information and they can contact me for anything else they might need. But I should not have to go to the branch AGAIN. 
I hope that you guys will be able to do something, and I hope that you can let me know what is being done. Since this has been going on since XXXX XXXX, there is a certain urgency to this!!! 
Please respond. 

XXXX XXXX ( XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: First Federal Credit Control, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
reported negative information on my credit report. the patient was not me or my child. The patient is an adult which i have no durable power of attorney or any other instrument to make me liable for medical bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Okay so I bought something on XXXX, it came defective so I returned it, after one month of constantly calling XXXX they told me they would refund me ( I have the screenshot ) after that they closed my account and told me they wouldnt refund me (? ) So I tried disputing with my credit card company but they didnt help me either, actually I think they didnt even submit the right reason for dispute, because the reason to close the case against my favor was : confirmation showing no cancellation per policy was received So Im asking here to please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2022-03-31
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022 I was searching for personal loans on line. I looked at what Regional Finance had to offer. As I was looking on line, I get a call from the company. I told Regional Finance I was looking to borrow {$1500.00}. The Lady ( XXXX or XXXX  I think ) took my information and ask some general questions like how long l have been my Job, what kind of of car I own/mileage, own or rent home etc ... .I gave permission for them to run my credit. I got asked abt a charge-off that happened abt XXXX ago ( my credit has improved since then ). The next day I get a XXXX from XXXX or XXXX saying I was approved for {$2100.00}. I said did not need the funds like I thought at that time. I was then told they hold the offer for 30-days. The next day I called to find of the offer still stands and was told the Manager/Supervisor has decided to deny my application and that I will get paperwork in the mail explaining why. I asked to speak to the Supervisor/Manager, I was told that person was busy. I also want to add I am a person XXXX XXXXXXXX and you may or whatever agency want check into how many loans they give to people in certain demographics to make sure they are discriminating against any protected class.. The business phone # XXXX. XXXX XXXX. XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid debt off a few months ago and was told within 30 business days it would be taken off my credit report

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 2017-10-27
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
All of sudden I keep receiving e mails from this company Affrim. It is a loan company that XXXX uses. I have never taken a loan out I have always paid for all products that have been ordered though XXXX, they started taking money out of my debit card on fill. Of XXXX I had to fill a dispute and charge my debit card after looking at the charges I already paid this in full. They keep sending me threating e mails that I owe them XXXX for items I paid in full with my debit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Amsher Collection Services, Inc.
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:
This has been an ongoing battle with Charter Communications for the last few years. I have had this dispute taken off my credit several times and it seems like the company keeps selling this and putting it back on my credit! I am going to involve an attorney now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Nelnet, Inc.
State: SC
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 have mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. 
On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 
Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . 
Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.

Company response to consumer: Closed with explanation