BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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:
XX/XX/2020 they received and acknowledged my dispute to Experian, XXXX, & XXXX and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

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 2020-09-07
Company: Google Compare Credit Cards Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased 2 items from XXXX shopping totaling XXXX on XX/XX/2020 One of the 2 items arrived. The other did not. I reached out to XXXX shopping and let them know and thats when the lies started rolling in from them. 
They supposedly refunded my debit card for XXXX after i told them not to because i have a different bank now and that card was closed. I sent multiple emails and had multiple chats with there " support " people. There entire customer service is a joke they dont listen to a XXXX thing, they constantly tell you the same scripted XXXX and in all reality there just not helping there customers. After i was told by XXXX that my shopping account was frozen because there was suspicious fraudulent actives and i am un able to make more purchases ... i get a email about my refund cuz i filed a despute with them on it ... i get a email saying they denied my dispute cuz they couldnt find any fraudulent activity ... ..ummmm hello why is my account frozen then.???? XXXX cant tell its lies from there XXXX and im not the one to be taken for. Just because they have billions doesnt give them any right to brush off my money ... XXXX would be nothing with out people like me who gave them money with the expectation of a service or a product delivered. There entire stance on this entire nightmare has been cold unhelpful and unethical. I want answers and i want my money plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 they received and acknowledged my dispute to XXXX, Transunion, & XXXX  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: LA
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 XXXX, I received a response from Equifax regarding CPFB complaint # XXXX. After viewing the complaint CPFB suggest I contact Equifax in regards to a third party authorization. After CPFB suggest I contact Equifax to give Authorization to the third party regarding this case. I wasn't given any other information on who I need to give authorization too. At XXXX XXXX, I called Equifax at XXXX, my call was answered by an Agent name XXXX. After I explained my reason for calling. XXXX ask several questions but refused to take my authorization to allow any third party to my case, update my credit file information such as my phone number, addresses, etc. I carefully explained to XXXX he needed to contact CPFB to respond to the complaint. He refused to contact CPFB as well. He seem to have taken this for a joke. On XXXX, This case was closed by CPFB the same day the response came back from Equifax. I wasn't given a chance to go any further with CPFB regarding my case. I need to proceed with this case because Equifax has not corrected the information in my credit file. My case was not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, 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:
Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 83  Months Monthly Payment {$480.00} Responsibility Individual XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$450.00} High Balance {$450.00} Remarks Placed for DEPTEDXXXX Account Type Student Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$1700.00} Payment Status Current Worst Payment Status 90-119 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX   Times 30/60/90 Days Late 0/0/ ALL ACCOUNTS FROM STUDENT LOANS ARE FTC AND ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2018 my car was totaled. I made a claim through my insurance company and they paid the ACV for the vehicle. After my insurance paid their part I still had a balance which GAP covered some of the remaining balance. I have my auto loan through Santander Consumer. I was told through GAP that they only could pay XXXX on the balance. The total balance was XXXX which Im left with a XXXX balance. Ive contacted Santander several times to ask how they came up with that amount, but they keep giving me the run around. Also they want me to pay XXXX a month on a car I dont have. I also tried to negotiate with them to see if they can lower my payments, because with this balance still owed I cant get financed for another vehicle. I know I may owe them some money but I feel that I dont owe them that much. Now I am stuck without a vehicle, and I cant get financed for another one because they wont work out a plan with me. I dont know what to do in this situation Im just upset because Santander already received 33 payments from me at XXXX a month. They received XXXX from Gap, and XXXX from my Insurance company. So totaled they have got over 30k for a vehicle thats only worth about 12k. So please help me in this situation or give me some input of what I can do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Asked for the Method of verification on the negative accounts XX/XX/XXXX. I needed names of people they talked to, phone numbers, a description of the procedures they used to verify the accounts any type of paperwork sent to them to verify the accounts being correct. They sent a copy of a credit report dated XX/XX/XXXX report # XXXX and XX/XX/XXXX report # XXXX for the Method of verification. They did not do an investigation of the disputes. I have sent previous disputes by mail to the company with factual disputes and all i get back is unchanged from possessing the dispute. The date of status has not changed even though they processed my disputes just last month. Theses Accounts do not meet FCRA requirements. They have inaccurate dates and incomplete payment history as well as inaccurate account numbers, date of status dosent change when disputed, some 2 3 and 4 years, accounts transferred or sold to another company and still reporting a balance and or a past due.

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 2021-03-25
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XX/XX/21, I learned that a company that I had made a purchase with called XXXX was a fraudulent company and when I contacted the company they refused to provide a refund for items that I never received. I advised that I would reach out to my card company American Express to dispute directly. I spoke with an unprofessional representative, XXXX who had no sympathy and refused to complete the dispute because the company did not have a cancelation policy. I was in disbelief that she would not proceed with the dispute after I clearly explained to her that I was scammed out of $ XXXXI am in disbelief at how this was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-07-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.

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 2020-09-07
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 applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2020-09-07
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: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
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:
1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A 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 explanation
Consumer complaint received 2020-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have submitted a letter of cease and desist to Portfolio Recovery on XX/XX/2020 after receiving about 100 calls in the last 6 months, to only contact me by mail communication. I have been constantly receiving harassing calls from this company from different local area codes, I have made them aware of the letter that was sent to them and they have neglected my plea. I recently found out that I am able to file a complaint with the FTC. I have documented numerous calls with times and dates and some of the representatives names to keep for my records : XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX, XX/XX/2020 at XXXX XXXX  XXXX XXXX XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX. Please help me resolve this situation. I have also requested a debt validation under FDCPA sec. 809 ( b ), and they have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX and XXXX ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.

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 2023-06-07
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied for a flex loan with Cash Express last year. The employee told me that it would be cheaper than the current loan I had with them and we could pay my current loan off with the new loan. When I got my first statement, I realized that the employee had not been truthful. The previous loan I had was only due once a month with low interest. The new loan is due every two weeks with 279.5 % interest. Soon after I went in to make my payment and the store had new employees. They looked over my file and realized that the employee who originally filed my application was not truthful about my monthly income. Without my knowledge she put on the application that my income was significantly higher than it really is. I also noticed that my statement sent in the mail did not match what they verbally said that I owe every two weeks. My statement shows that I owe a payment monthly. When I questioned them about this, they said that my statement is not correct. They said that the amount on my statement is actually split into two payments that are due every payday. Around XX/XX/XXXX when I called and asked how much my payment was they said they weren't sure because there was something wrong with their system. They said just pay whatever, like {$100.00}. I did as they requested. Soon after, the location I had been going to closed down. They told me I needed to work with another location. The manager from the other location called me on XX/XX/XXXX around XXXX XXXX. She told me that even though I made a payment of {$120.00} on XX/XX/XXXX that I needed to bring in {$99.00} by XXXX XXXX  or they would ACH my account. I told them that I wasn't aware of any money due and had not received a statement reflecting that. She said the past due amount was from previous months when the employee at the other location was telling me to pay whatever I wanted. I explained to her that I did not have the money in my account and I needed them to hold it until XX/XX/XXXX since I wasn't even aware until that day that it was owed. She agreed to hold it until XX/XX/XXXX. She did not do as she agreed. She sent through an ACH on my account that evening, XX/XX/XXXX, after saying she would hold it. My concern now is that my statement every month is not matching what I owe. For example, my statement for XX/XX/XXXX to XX/XX/XXXX that I received yesterday shows that I have {$210.00} due on XX/XX/XXXX. The manager called me yesterday demanding that I pay {$130.00} by XXXX XXXX or they would ACH my account. I called and spoke with the district manager today, XX/XX/XXXX and told her that I was filling the report and would not pay until XX/XX/XXXX as my payment reflects.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief