BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
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:
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.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 a victim of identity theft, and I am requesting that all of the information be removed or blocked immediately. The attached report from identitytheft.gov is included.

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 2020-05-29
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
on or aboutXX/XX/2020 there was an agreement with chase card service card # XXXX the agreement was if i pay XXXX that they would canceled the debt i flie a disput withall the agencie XXXX  report that there reivesigation was compeled XXXXyou find the reaslt as update and not remove from the pettition experian credit report file.. here is the fact once a cerditor cancel a debt or wrritten it off a debt. the debt is to be remove because you are not laible for the debt. when a creditor is unable to collect the debt from me they may cancel it or writer it off. which in fact that what chase card servcie did they charge the debt off.,. now you are no long liable to repay the debt, but iam still Laible for  to paying tax on that cancelled. chase card serivce can not have both way. they are going to writer the debt as a bad debt and report to the IRS. to get credit on there belance sheet at the end of the year. i would have to report that 1099-c on my persaonl income tax retrun 1040 at the end of the year.went i file. i mail XXXX  credit report agencie and all the credit agence of the agreement with a copy of check as evidence .chase cash the check. and the debt was cancel and that was for chase to remove or erase, from the credit flie because no long Liable. for the debt any more.. then XXXX  needed to remove it from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
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 my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX 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 explanation
Consumer complaint received 2023-05-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was originally steered to a private student loan instead of applying for a federal student loan. There was no reason that I should of been forced to apply for this personal loan when I was 100 % eligible for a federal loan. This was very shady of both the school and navient. Per the multi state lawsuit, this was found to be illegal as the schools were motives by the financial kickbacks of then XXXX XXXX. I have now been stuck paying on this since 2007. 16 years and the loan has not decreased in balance. I am being penalized because I was current on the loans, where others have had thier loans discharge under the multistate lawsuit. Now that the interest rates are increasing, so too is the rate on the loan. Due to predatory leaning practices, I will be paying a large sum of money forever. Navient has more than made up for the loan over the last 16 years that i have made payments. Since this was for a loan for a school that has closed, no one will refinance it. I am stuck in this loan and due to predatory lending practices, paying on this loan forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings!

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-05-29
Company: Santander Consumer USA 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:
SAntander USA has inaccurately reported information on my credit report for account information that I have no knowledge of. Per 15 U.S code 1692f, The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Santander is reporting information that is a direct violation of the law. I was not properly notified of ANY balances with Santander or the reporting ofany items. Additionally, I am a victim of predatory car loan lending for subprime consumers. Santander violated consumer protection laws by exposing subprime consumers by knowingly and intentionally financing auto loans with a high probability of default, charged excessive fees that were not detailed in the note and charged for payments and violated. Santander is obligated to provide detailed information regarding any negative accounts before reporting which they failed to do. Santander has failed to my request regarding documented proof that I was notified of any remaining balances or a charge off. This debt does NOT belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a XXXX XXXX XXXX XXXX  and now only have a credit karma spend account. Im closing it asap if I can get my money. I transferred money, which they take XXXX XXXX to transfer. That. Is not my complaint as much as I had about XXXX XXXX  or less in credit karmas account. I was trying to make a transaction on a completely unrelated account being XXXX XXXX  and I kept getting an insufficient fund from credit karma. I had plenty of money available on the credit card. as soon as I put my XXXX XXXX  information I would get a non sufficient funds transaction. From credit karma. During the transaction that I could not make these were several transaction, in which are not related in any way to credit karma and credit karma would send me a message telling Im denied using my XXXX XXXX XXXX How are linked up to all my unrelated third party accounts? They should not be but somehow stole my information off my unrelated accounts as they are arrogant in the way they believe they can do whatever they want when ever they want. This has crossed a very big line in privacy breach. I believe there is a scam and committed fraud which has caused problems with my XXXX XXXX XXXX  Theyve done nothing and I cant wait because Im afraid they will start accessing all my accounts. I cant even use my credit cards or trust that they wont empty out my finances so I have to keep my cards locked for fear that theyre stealing unrelated information and sending me messages to tell me they can. I want this stopped. I have XXXX XXXX  and a some change in credit karma which Im payin* a couple then transfer ing the rest right back to my other account. I can not wait weeks to close this account. I need them to stop stealing my account information and I want justice. They should not be allowed to steal information that causes their customers to lose sleep, money, and time. I probably wont even be able to get the money out with out problems. They decide when I can use my account. Now they have taken over to the point they are not letting me use other accounts that have nothing at all what so ever to do with. They should not have XXXX XXXX XXXX info at all why do they have it? This is a very dishonest company whose the worst company Ive ever dealt with on ethics and honesty. Their are people who commit fraud. This company has committed fraud against me and I dont even know what to do or if Im allowed to use my credit cards with out their permission. They are linked up to XXXX XXXX XXXX and Ive never ever linked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to provide a complaint that was created on my credit file on behalf of XXXX XXXX, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I  never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by XXXX XXXX. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. XXXX XXXX re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.

Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting 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 2020-09-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Barclaycard in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted Barclaycard l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.

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 2021-11-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2021 a card was opened in order to receive a promotional offer. This offer included XXXX XXXX XXXX miles and a {$250.00} credit, if applicant spent XXXX dollars in the first 3 months of opening card. 

This promotion was not honored- so costumer service was noticed ( 5 ) times. It appeared another account was made with the writers social security number. 

I was not able to dispute this account, as I was told that the bank needed to contact the other party to ensure it was not a typo. I have contacted the bank for updates and was told that they could not share the process for security purposes. At this time there is no resolution in my case. I was never given my promotion.

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 2023-04-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a paypal account to do business. I had a client send me {$1500.00} for future products. It took PayPal 3 weeks to make the money available and I lost the client. So I sent the money back to client. Paypal has chose to keep the clients money. I have repeatedly tried to close the account and they refuse to close the account. They still have all {$1500.00} and say it permanently not going to clear. This is on multiple messages from paypal XXXX How can they keep the money legally. I wish to close my account and have the money sent back to the original person that sent it to me. This is really dumb. They accepted the money and want to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I have tried to dispute a charge from XXXX in the amount of {$220.00} on my Capital One Credit Card, due to XXXX refusing to release tickets to me that I paid for. I filed a complaint with Capital One in XX/XX/XXXX. I submitted documentation the first week of XX/XX/XXXX showing where XXXX decided to lock me out of an account due to a chargeback from a different account and credit card company, that had already been resolved. Months later Capital One still had not rectified the issue so I spoke to someone around XX/XX/XXXX who stated they would be mailing me a document that would explain the next steps I needed to take. I never received the document so I called Capital One again on XXXX XXXX and spoke with a Fraud & Dispute Account Manager named XXXX  ( XXXX ). According to him the only thing I could do was send in documentation showing that XXXX credited my account. If I had received a credit from them why would I be filing a dispute? XXXX stole money from me by not giving me a product I already paid for, and Capital One is acting in cohesion with them by refusing to dispute the charge. After months of dealing with the back and forth from Capital One, the account manager basically blew me off and told me to just go ahead and file a complaint since there was no one else there that I could speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
I found a fraudulent bankruptcy on my credit report and Credit Reporting Agencies refuses to investigate and block the fraudulent item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification. 

I returned the call the same day, no answer, no company name, no option to get to different departments. 

They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt. 

The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: MO
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 did not give authorization or start these accounts

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