BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.

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 2021-02-27
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Ok I try using my cash app card kept saying exceeded my limit I never got cash this particular day XX/XX/2021 so I tried to contact support services got someone supposed to reset my limit so I can use card but soon as I try using card all my money XXXX was zapped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: GA
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 tried several times reaching out to experian. They have closed my complaints and just made excuses on why they could not answer my complaint.This is the third time the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I am being ignored from having my credit report investigated.

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 2021-02-27
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just was hit with a XXXX + debt collection for what says to be XXXX XXXX XXXX in XXXX Oklahoma. I have never lived there and currently own my home in XXXX, OK. I am in the process of obtaining a Line of credit and this will inhibit me from doing so. I am strongly inclined to seek legal compensation from damages as I may not be able to obtain financing now for this Business LOC and/or interest rates be higher as a result of a rapid credit decline due to the negligence and improper reporting. This should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. XXXX XXXX, Equifax. XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: VA
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:
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXXXXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
I have sent four disputes to experian, XXXX, XXXX  all through certified mail. I have several accounts on my report that showed up and i have no clue to how they got on there. including student debt with about 5 different accounts with the same company. i asked them to look into it and to show how they verified these accounts that they state remains. they have failed to send me any notifications on how they verified. the papers they send me even comes back with a different name. now they state that they will not investigate without documents to prove my case. How am i supposed to prove something if its not mine and i have nothing to go off of since they keep failing to show me proof of verification or any documents to 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 explanation
Consumer complaint received 2020-06-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The company originally opened an account for me after providing documents for proof of ID on XX/XX/20 a credit card was also opened the day after. I have been using this checking account to make payments and the credit card for daily spending. The company has frozen my accounts at this point and is requesting the same documents but will not give any insight as to why and refuses to let me access my account with my money in it. The company has pulled my credit multiple times and we have communicated on several different occasions and not once were additional documents mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: NC
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:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have found out from my credit report that I have two bills with JEFFERSON CAPITAL SYSTEMS. I never received anything from them and was unaware that they bought out my debt. One of the debts was already disputed with XXXX. XXXX  even removed it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have recently been made aware that I have been involved in a scam where funds were sent from my Venmo account to an unknown entity. I was mailed a check for a requested service from an unknown contact through email inquiring about a potential private business opportunity. I sent an invoice for the deposit of private chef service {$640.00} and was asked to pay the chauffeur company on their behalf while vacationing in my city. I deposited the check XX/XX/XXXX First Horizon XXXX poplar XXXX, TN and requested the bank to verify the check {$4200.00}. The confirmed on XX/XX/XXXX the check was cleared. I and was informed to send {$3200.00} deposit to the chauffeur through Venmo XX/XX/XXXX. I received notice from the my bank XX/XX/XXXX the check for {$4200.00} was now declined and was a duplicate check number. This is a scam and the contact was not legitimate. The transfer of {$3200.00} was made on XX/XX/XXXX to a venmo account using the user ID of @ XXXX. I filed a police report with XXXX XXXX Department. I would like to know what the process is for having the funds returned and what kind of investigation can be done regarding this situation. I look forward to hearing back from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow. 

At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. 

XXXX, please set up a payment arrangement. 

XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution. 

While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step. 
You can prevent this by setting up a payment arrangement. 


Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern : This complaint is in reference to the request to remove the 30-day delinquent marker reporting to this closed CHASE account. As communicated via phone to CHASE Rep AGENT XXXX XXXX  I have personally been affected by the FEMA Declared Texas Severe Winter Storm ( XXXX ) in XXXX and continuing that had rolling power outages and frigid winter temperatures. I personally lost power and shelter for several days and literally didnt even have heat or power to cook food and this placed a significant inability to make my past due payment that was due in XXXX. I literally had no power. Phone battery was dead and laptop as well. For added convenience Im adding the FEMA links here for your view. This was declared an Emergency Declaration by President Joseph R. Biden on XX/XX/2021. 

FEMA : XXXX : XXXX ; XXXX : XXXX I was under COVID-19 Payment assistance that per Chase ended on XX/XX/2021 per the email I received from Chase on Wednesday, XX/XX/2021 @ XXXX XXXX XXXX. on XX/XX/XXXX - CHASE reported a delinquency ( 30 days LATE ) notice to XXXX XXXX XXXX despite this unprecedented natural disaster and state of emergency. 

Lastly, please note now that my power is back and back at home, I made two in good faith payments to get the account current starting on Thursday, XX/XX/XXXX for {$120.00} and {$110.00} on Friday, XX/XX/XXXX totaling {$230.00}. 

As you can easily find by published media outlets this storm disaster was truly unprecedented and displaced millions of people leading to no power or heat. Some even died and were found frozen in their homes. I kindly plead with you to please do the ethically correct action and remove any delinquency markers for the month of XXXX or XXXX given this truly historic & unprecedented situation. 

I have since gotten my account completely current. I eagerly await response from CHASE Cardmember services confirming that any delinquency and negative reporting related my previous past due amount is removed in accordance with the FCBA and due to this FEMA & US President Declared Winter Storm disaster ( XXXX ) that AFFECTED my ability to make payments since I had NO POWER. Please take the ethically correct action. 

I eagerly await a swift written response to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Had an auto loan with wells Fargo in 2009. Hit some hard times as a single father after I was left by my son 's mother. Tried to work with the bank on making payments. Every month I would call in and talk with wells Fargo. It was to the point the only payment option was to   XXXX   XXXX   the money in. I called in to let them know I was just getting out and had to go home to get the cash to pay up the account and do the next month in advance. The rep on the other end told me not to bother making the payment. They would be taking the car back. I asked to talk to a supervisor and was told I could n't. Said I was making the payment ether way. I drove home took 30 minutes. Not even 5 mins after getting there the tow truck showed up to pick up the car. Talked to the driver he told me to call in. Second call of the day told the woman on the other end what I had already told them before. Even told her to ask the driver how much cash I had in my hands at the time about 2000. She talked to the driver for just a min and they took the car. After that made attempts to call in to resolve the past due balance the only thing they would take was the full balance. I told them it was n't possible and that I had the past due and the next month 's payment and they refused to take it or allow me to go make the payment. Said that if they would n't take it then them taking the car back would be the end of the loan. They sold the car for just  XXXX . Now over the past six months I have been trying to deal with the same loan. They have now been sending court documents and other things to my old address I have made multiple attempts to contact the lawyers office to only get voice mail. Have given my new address every call still they have n't changed anything. They even garnished my wages from my last job. Now the balance owed was over 11000 and they have took over 1500. I feel I have been blocked at every turn from the loan payments to the court orders and judgements in their favor as I was unaware of several court dates due to the lawyers repeated refusal to talk to me or update their files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 60 days later I have not received one word about my inquiries about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 60 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach as well as a my information being taken as shown in the police report attached and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My GM credit card showed {$49.00} on XX/XX/XXXX to pay XXXX member ship payment for my husband, he never gave permission to XXXX insurance company to charge his credit card. I gave permission for them to charge my member ship several years ago and my GM card was changed several times. I called GM card credit company which is capital one, they won, t dispute the charge so I went to XXXX insurance co.office in XXXX and told them not to charge to my credit card any more and told them I will pay with my checking account, .they told me that it is already charged so we will take off for automatic charge and the clerk took off automatic charge. The membership due was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: KY
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 reached out to XXXX and experian about this issue 4 times now. 

US Dept of Vets is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on 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