BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
In XX/XX/2017 my money order XXXX in the amount of XXXX was stolen. I did a trace for XXXX which o thought would help to get my monies back. This has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinance my original auto loan with Capital One in XXXX of XXXX. I have sent them all of the paperwork that they have requested on multiple occasions. On XX/XX/XXXX at XXXX Pacific time Capital One called me. I answered the phone, the woman on the phone told me she was with Capital one and needed me to verify the account. I said it is only XXXX, she insisted that I verify who I was and that this was in regards to my auto loan. I told her she was calling hours before they were suppose to be calling in my state. They were calling from a local Nevada number XXXX it cam up on the caller ID as Capital One. She told me that I needed to verify my information to speak with me. I again told her is was to early and she was violating credit collection guidelines. She then hung up on me. She had a foreign accent and did not state her name. They have not called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CURO Intermediate Holdings
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:
Hi, This company AD Astra Recovery continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$1000.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked AD Astra Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with AD Astra Recovery in the amount of {$1000.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Written 2 validation letters and sent certified mail to XXXX  & Equifax regarding incorrect accounts ( XXXX, XXXX XXXX, XXXX ) reporting on my credit and never received anything back except my credit report. It has been more than 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
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:
ftc violations attached please fix the error fair debt violations fcra violation and hippa

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations attached please fix the error fair debt violations fcra violation and hippa

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 2018-10-20
Company: GOLDMAN SACHS BANK USA
State: NY
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:
On or about XX/XX/2018 I applied online to open a Goldman Sachs XXXX account, and while online, received a " We've declined your application. We apologize for the inconvenience. At the moment, we can't disclose why your application failed. " I called them several times and each time they advised that I should reapply online. I did so with the same results of being denied. I then downloaded copies of my free credit reports and verified all of my information as correct. 

I called them several times ( the most recent being XX/XX/2018, speaking with " XXXX '' and a credit specialist named " XXXX '' ) and was told each time that Goldman Sachs/XXXX  uses a third party vendor to verify my information. However, they refuse to provide me with the contact info for the the third party vendor or the credit report they allegedly used, and I therefore have no way of reviewing, and if necessary, correcting any incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied directly with XXXX this a.m. of XXXX, XXXX, 2018 through their website and received a credit score of XXXX from XXXX  ( see attached ). I was denied due to a bogus claim of excessive account balances ( see attached ). I do not have excessive balances. The accounts I do have are low balances where most of these balances will be paid off next month. I do not know what is going on with auto financing, but I am well within the approval guidelines to be approved for an auto loan. I am, presently paying {$350.00} a month.This consumer has been unfairly assessed by this finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Not sure of date but they were told we would be filing bankruptcy and their frequent calls from supposed blocked calls were illegal. They are relentless

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: KY
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:
In XXXX of this year ( XXXX ) I pulled a copy of my credit report and noticed several errors on my credit report with Experian. I wrote them a simple request to verify, validate and correct the errors that I found on my report. I sent over a certified letter that I had notorize so that they understood that this was a serious violation of my rights. Experian, in turn responded with a vague response and made some minor corrections and for the most part ignored most of the items that need to be corrected with a response that they verified and that it was certified to them to be correct.

Interestingly enough, to my surprise Experian actually added even more inaccurate derogatory information to my file. Such that I dropped my credit score well below 500. This is simply unacceptable. I have instances of reaged accounts, unverified derogatory information, outdated demographic information and the most damaging part is Experian added 24 charge offs to 2 of  my student loans that are in forebearce due to the Covid Cares Act. In addition to adding a charge off for each month starting from XX/XX/XXXX to present on 2 student loan accounts totally 48 charge off marks to my record. They also added a total of 23 reposession marks to one tradeline that I asked to verified. To date, they have not verified and  chose to add these derogatory marks to my file. 

I am a single mother and have never been turned down for an apartment. Because of experians negligence. I have recently as of this week been turned down because of the inaccurate and false information that Experian is providing> the other two bureaus are much more accurate and practice integrity. Its no secret that Experian has a track record of abusing poor consumers in an effort to profit from subprime lenders that fund them to handicap consumer files. I need this corrected as soon as possible! this is totally wreckeless on the part of experian.

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 2018-10-20
Company: ZIONS BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018, XXXX XXXX XXXXXXXX  XXXX. charged an OVERDRAFT FEE of {$120.00} On XX/XX/2018, XXXX XXXX XXXX  XXXX. charged an OVERDRAFT FEE of XXXX This is my 3rd Complaint against XXXX XXXX XXXX  XXXX. ( " Zion '' ). Thus far, in settlement of disputes, they have refunded {$190.00} ( on XX/XX/2018 ) without altering their conduct in the slightest. 

I respectfully petition for reimbursement in the amount of {$190.00} along with treble damages ( in the amount of {$570.00} ) for willful and deliberate malice and/or gross negligence tantamount to malice by Zion 's Bank in continuing to charge the undersigned OVERDRAFT FEES by deliberately and willfully and/or via gross negligence approving transactions most likely to earn Zion profits though this unethical and unlawful practice ( i.e. " stacking '' ). 

Bank statements and e-notices enclosed will demonstrate that Zion has charged OVERDRAFT fees of {$32.00} for transaction amounting to less than {$6.00} which, to the undersigned, is dispositive of criminal/grossly negligent conduct. 

I respectfully reiterate my prayer for damages in the amount of {$760.00} ; and, an injunction/agreement to IMMEDIATELY CEASE AND DESIST from STACKING and other unethical/unlawful practices. 

Yours truly, 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 2019-05-20
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They put an item on my credit reports for an XXXX XXXX XXXX collection item. I have not had XXXX XXXX XXXX XXXX XXXX in over 20 years, and have never had their cell service. Diversified Consultants violated federal law by not contacting me before putting an item on my credit report. If they would have, I would have told them that, as my credit report states, I am the victim of ID theft. I would have told them that the XXXX XXXX XXXX account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CNG HOLDINGS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company marked my other complaint as duplicate. This is not a duplicate Im requesting validation debt. I have contacted tempo and they cant verify or validate debt. Attached is the response from Tempoe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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:
Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, USDOE/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: MN
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:
XXXX Equifax / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Credit Karma, LLC
State: DE
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:
My wife and I are trying to get pre-approved for a mortgage. We both have credit karma accounts. Our lender is not able to pull our reports due to a firewall credit karma has placed on our accounts. Now our pre-approval is sitting in limbo. We have contacted credit karma several times over the last 7 days and have not been contacted by Credit Karma to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXXMetaBank has yet to post direct Deposit from my employer. This has been happening to several people and everyone is getting different answers and a run around as to when they are getting their money.

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 2018-10-16
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already pay them in full but they're not removing this collection from my credit history

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 2019-06-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Clarity Services
State: AZ
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:
I was tonight alone because my identity can not be verified XXXX XXXX XXXX reported this information. 

I sent a request to find consumer file disclosure too XXXX XXXX XXXX, XX/XX/2018 The representative XXXX XXXX XXXX inform me my Clarity consumer disclosure would be sent in the mail and I would receive it in 5 - 10 business days This was a misrepresentation. What I received in the mail was a response to my consumer request this letter says the " action requested Clarity consumer disclosure. '' It also says the " action taken was Clarity consumer disclosure. '' Furthermore, it reads " we provided you with your Clarity consumer disclosure and or credit score '' this is a false representation because in this mail piece I did NOT receive my consumer disclosure I received a dispute form and then a contradicting letter telling me additional information is needed. 
Thus I will be seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was made by XXXX XXXX XXXX on XX/XX/2016. I do not recognize this inquiry and it should have been removed from my Experian consumer report because it is over 2 years. I contacted the inquirer but they have not remove the inquiry from my consumer file yet.

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