BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.

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 2022-10-03
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : XXXX XXXX XXXX  Account XXXX Creditor : 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 2019-10-18
Company: EQUIFAX, INC.
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:
The fact that this agency XXXX and the other two giants and all who gather information from them report inaccurately, inaccurate and untimely information is a fact! XXXX  had given me a free account but I am no longer able to access it even though they email me to do so -duh! I can not access their request to review my account This charade continues impacting me and millions of Americans every single day! XXXX  Membership ID # XXXX Member Sign In We blocked an attempt to access your account Because we value your security, we take this precaution after too many failed sign-in attempts. 

You'll need to reset your sign-in credentials to get back into your membership. If you've already successfully signed in, please disregard this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Account Resolution Corporation
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 disputed collections account from Account Resolutions with all 3 Bureaus and the accounts removed from two of the three Bureaus but left 10 on XX/XX/XXXX. Most of the 10 accounts have duplicate account numbers with different amounts attached or incomplete account numbers 1.  XXXX datedXX/XX/2013for {$140.00} 2.XX/XX/XXXX datedXX/XX/2013 for {$54.00} 3. XXXX dated XX/XX/2014 for {$100.00} 4. XXXX dated XX/XX/2015 for {$90.00} 5. XXXX dated XX/XX/XXXX for {$57.00} 6. XXXX dated XX/XX/2015 for {$120.00} 7. XXXX dated XX/XX/2016 for {$100.00} 8.  XXXX dated XX/XX/XXXX for {$69.00} 9. XXXX dated XX/XX/XXXX  for {$69.00} 10. XXXX dated XX/XX/2017 for {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
two FRAUD ACCOUNTS listed on my credit report ( USAA - XXXX ) of which was removed and previously included in the FTC Fraud Report # XXXX ) and a Police Report provided to credit bureaus. It appears since the account is back on my credit report that the credit bureau through some means validated a fraudulent account. 

" I was told that I should have known about the account. '' An agent at XXXX  laughed at me and said " people have been abusing fraud complaints '' and did not take my complaint serious. I have submitted the items multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Experian Information Solutions Inc.
State: GA
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:
This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, 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 2017-11-14
Company: TRANSWORLD SYSTEMS INC
State: PA
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 a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
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:
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a credit card account with Capital One for almost 10 years. For the last several years ( 4-5 years ) there has been a {$0.00} balance on my card. I get my statements every month to my email and look at my account to make sure there is no activity on the card. I have the app download and use it regularly. Yesterday, XX/XX/XXXX at XXXXXXXX XXXX I received an email : " It 's been over four years since you 've used your credit card account ending in XXXX. As a result, your account has been restricted as of XX/XX/XXXX, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed ''. 
I called Capital One and spoke to 4 representatives on the phone trying to clear up this obvious misunderstanding since I did not receive any notification my account was in danger of being closed prior to the account being shut down. I spoke with 4 representatives including 2 managers ( XXXX and XXXX ) who told me the decision was final. I asked to speak to their managers or someone who would be able to assist with this issue and they told me I could hang up and call back to talk to someone else or I could write a letter. There was no one in the company that could reverse this decision. I asked both XXXX and XXXX if I could get a copy of the signed agreement that Capital One had that said that they had the rights to close my account without noticed. Both " managers '' denied my request. They did both tell me that could rerun my credit and I could open a new account. 
This issue hurts my credit due closing a line of credit and reducing my available credit and closing my longest revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was out on XXXX XXXX  from XX/XX/2019 through XX/XX/2019. I had been speaking with different reps at USAA bank in regards to my credit card account and ways that I could keep it open being that I was out of work. On XX/XX/2019 I spoke with a rep in their member debt solutions department who assured me that the account was still open and that I needed to make a minimum payment of {$26.00} in order to give me more time to keep the account open. Per this member the account would be closed after 6months of no payments. I made that payment of {$26.00} that day along with another payment of {$75.00} a week later. Fast forward to XX/XX/XXXX. I call USAA to verify why I didnt have an available balance on my credit card, I just made a payment on XX/XX/XXXX in the amount of {$200.00}. The rep advised that the account was closed! There was no knowledge to me that the account was closed. No one that I had spoken to between XXXX and XXXX had mentioned the account was closed and they called me everyday. I asked could they pull the call from the rep who advised that the account was still open as of XX/XX/XXXX and they said someone would call me back and never did. I called again on XX/XX/XXXX and was told that there is nothing they can do when the account has been closed. The rep suggested I reapply but my credit has been negatively affected by this for months so there is no way that I would get approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or around XX/XX/XXXX, a credit bureau dispute was submitted against this company for an erroneous balance they claim is owed to " XXXX XXXX XXXX ''. On or around XX/XX/XXXX, a written dispute and request for validation was sent directly to collection agency, Hunter Warfield Inc. They were also advised to cease and desist verbal communication. This company failed to provide adequate proof of this alleged debt within a reasonable time frame. They continued to call and harass me repeatedly after receiving notice to cease communication other than a written response to my dispute. They also reported to the credit bureau that this debt was verified as accurate, however after speaking to the original creditor it was found that the balance was in fact erroneous. This debt was taken to court in XX/XX/XXXX through XXXX City Court and was dismissed. I have filed an attorney general complaint against the owner of this debt, XXXX XXXX located in VA as well for failure to address and correct this matter within a timely manner. Hunter Warfield Inc has had many complaints against them for deliberate violations against consumer rights. They run a very unprofessional operation and I believe their name is used as a scare tactic to make people think they are an attorney, which in my opinion is a deceptive practice. I would like to ask that this company be fully investigated by the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Years ago Equifax current personnel deleted my current address of that time. Since then they have not permitted me a copy of the report related to me. Even though I have a registered user name and password with Equifax! 
Calling in, they ask usual ID questions, OK. Then questions of erroneous information are asked, to which I answer none of the above. Then I was denied access, for which I am told to send in information of a certain format via snail mail. I did, with extra supportive documentation. Then I was told that the documents were not excepted. Hung. 
This problem persists today, their errors unresolved. 
Past addresses of record were in XXXX, XXXX ( a mail service only - used for many years ), and an address in XXXX, XXXX ( street has varied slightly ). 
My present physical address is in XXXX. For this I presented documents of passport, Homeland Security ID, XXXX residency card, XXXX driver 's license, and utility receipts. They still did not complete the update. 
I have physically lived in XXXX for 23 years. Now I have been informed of a new erroneous collection on my record related to supposed service in the USA, when I am not in the USA. 
Further, Equifax has no authorization in XXXX. 
Equifax documents related to my consumerism should only be historic. 
Additionally, I have been informed that I am a victim of the Equifax XXXX data breach. For this I am entitled to additional services and compensation. 
Due to the above information, on XX/XX/XXXX, I clicked an Equifax link to spot check the Equifax credit score supposedly related to me. Equifax error again - this link enrolled me in Equifax Core Credit service. I received an email to that affect informing me that for this I am not eligible for my lawful free credit report copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My current car lender has repossessed my vehicle due to non payment. I have not been able to pay because of illness, XXXX, and hardships. I was devastated by the XXXX of two family members in XXXX during the hurricanes. Even though i did not have much i was asked to contribute to each funeral. And also My income had become affected by the hurricane in texas. Many of my clients were forced to cancel and as well as myself was forced to cancel many appointments. After the homegoing of my one of my uncles and one aunts, I fell ill to an unknown XXXX XXXX. I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. That same day I called and alerted my lender about my  situation. I stated that I would try to make a payment on the XX/XX/XXXX,  because i expected to be paid a lump sum of money from cancellations. I was unable to make the payment on the XX/XX/XXXX. Then finally I was told of another death in my family in michigan the first week of XX/XX/XXXX. I had no intentions on allowing my car payment get away from me this way. But I did let Ally Financial know of the troubles My family and I were experiencing. And I was told that I would be given time to make a minimum payment to push the other payments to the end. Unfortunately, I had not been aware of the repossession until it was too late. I have been struggling since the hurricanes hit! I know that my family is n't the only one that has been affected, but at this very moment I will struggle even more by not being able to get to my clients to bring in the income at all. The Ally Financial rep even stated that I had never fallen behind like this before, and they were here to help me in my time of need. I woke this morning, to find that my car had been repossessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to remove these dismissed bankruptcies from my credit report for well over a year and a half. The bureaus are reporting bankruptcies on my credit report that were never discharged and yet even after showing proofs that they were dismissed, the bureaus are still reporting this information on my report, purposely hindering my credit rating.

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 2019-08-03
Company: Exeter Finance Corp.
State: GA
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:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Declined transaction through XXXX on my chase app for {$250.00}. Transaction still went through. Contacted chase to dispute, they will not reverse payment.

Company response to consumer: Closed with explanation