BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTAGATION RESULTS. IT HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/20 30DAY DEMAND XX/XX/20

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 2023-07-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". 

Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. 

Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. 

It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. 

Please help me! 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Cedars Business Services, LLC
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:
The Original creditor violated the law 15 U.S. Code 1692c. XXXX XXXX sold my personal information to Cedars Business Services. I submitted a complaint to through the cfpb stating I never received notice in order to dispute. The XXXX party collection company responded the original creditor place a collection with them XX/XX/XXXX, in which they mailed me a notice XX/XX/XXXX. I complained I never received the notice and asked where did they receive the address to mail me notice because I believe it was wrong but havent seen a reply. I contacted the original creditor XXXX XXXX, via email, asking if they sold my private information to cedar business service in which they admitted to placing my account with Cedars on XX/XX/XXXX. The dates between the XXXX companies do not match! 
Attached is the emails between myself and XXXX XXXX from XX/XX/XXXX as well as screenshots of the response from my previous complaint. 
Additionally, XXXX XXXX shared personal information with me on XX/XX/XXXX without verifying my identity, I asked for account information and it was delivered without question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Minimum payment met on XXXX XXXX credit cards ( please see attachments ). 

-Called in and XXXX XXXX agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on TransUnion XX/XX/2020

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 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card, Capital One Mastercard, periodically restricts my account which causes me hardship. They claim that when they do this, it is because of suspicious activity in the account, but, when I call them they can never tell me what the " suspicious activity '' is. My card is presently restricted, paid and up to date. I have never missed a payment or been late. I have emailed my complaint to the CEO 2 times and he didn't respond. They have accepted payment during times of restriction as well, as recently as this week. I do not want my account monitored by Capital One. They are also refusing to accept my change of address without a drivers license, which I can't understand, and I refuse to provide, as I have not updated my drivers license ... They let their customers update their addresses on the XXXX website, but, for some reason which I don't know, they are refusing to let me do this ... Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made contact with Kohl 's Credit Card in reference to trying to settle my past due Kohl 's Credit Card account ( ending in XXXX ). I spoke with them sometime before or on XX/XX/2020. I received an agreement that they would settle my Kohl 's Credit Card account if I were to pay {$280.00}. I paid the {$280.00} that day over the phone and it was taken from my bank account on XX/XX/2020. I was told that after making this payment I would no longer owe any money and that my account would be closed and paid off. A few days later I received a letter from Kohl 's Credit Card stating they agreed to settle my account for {$280.00}. I called Kohl 's Credit Card on XX/XX/2020 to see if I could get a letter showing I paid the {$280.00} and they told me I still owe {$280.00}. I told them I received the letter in the mail with the settlement and that it was paid and they still would not close the account as being paid. I have attached the letter I received from Kohl 's Credit Card agreeing to the settlement, the statement showing where it shows I still owe {$280.00}, and my bank statement showing where I paid {$280.00} to Kohl 's Credit Card. This has caused me delay in purchasing a new house and has caused me to lose some houses which I wanted to purchase. This has also harmed my credit even more as this was paid two months ago and it still shows I owe money which it should not. I am requesting that Kohl 's Credit Card remove this account completely from all three of my credit reports as they did not hold up their end of the agreement and have caused my credit to be harmed more than it should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed on my credit report that a collection was added by a Wakefield and Associates from XXXX, TN. The account was placed by XXXX XXXX XXXX on XX/XX/2020. To the best of my knowledge I have received no written communication nor have I spoken with anyone at this company regarding this debt. I am assuming that XXXX is also XXXX based out of XXXX, TN. XXXX was the XXXX XXXX  provider at my employer XXXX XXXX of XXXX. I was seen in our XXXX for flu like symptoms. The co-pay was paid at a reduced rate and the remainder to the best of my knowledge was paid by my insurer XXXX  XXXX XXXX. The amount showing on my credit reports is between {$110.00} and {$110.00}. I wrote Wakefield and Associated on XX/XX/2020 to verify the debt but I am yet to hear from them. I feel that this debt is not valid and I am looking to have this account removed from all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX  XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Ygrene Energy Fund Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received two pace loans from ygrene. When sold house took a week to get payoff which showed up 15 mins before closing and they would not answer the phone. They overcharged me over XXXX as to what everyone calculated. They are charging interest until XX/XX/XXXX even though being paid off today XX/XX/XXXX. And added fees not expected. When I received loan was told it was like any other simple interest loan that can be paid off at any time with no penalty. Now they are saying it amortized Annual and I still have to pay the payment due on taxes XX/XX/XXXX ... which is not what the put on the payoff. They put XX/XX/XXXX ... They also have in the last year been very deceptive on other items that did not match what was told to me. Also told the interest added to the amount burrowed upfront was to pre pay the interest until first payment due XX/XX/XXXX. But in payoff never gave me credit for it. Also told first payment due XX/XX/XXXX but billed my mortgage co in XX/XX/XXXX and was paid so should be less interest since XXXX was paid 5 months early. And they are doing this to a XXXX XXXX XXXX XXXX  XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have never missed or been late on the mortgage payment of any type in my 30 years of paying mortgages to various mortgage companies I recently refinanced my home through XXXX XXXX in XXXX Florida and he used Penny Mac and that's when the trouble begins they're climbing they're not receiving my checks they're charging me late fees they're sending me nasty letters and it just goes on and on I need help This began probably in XX/XX/2020 and is still continuing today I have two sets of nasty letters one dated XX/XX/XXXX XXXX dated XX/XX/XXXX and they're the exact same letter they don't even know what they're sending out it's a big joke

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CAVALRY INVESTMENTS, LLC
State: MO
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 trying to dispute the account that is listed below, and they are not taking it off. I am a victim of identity theft and I have properly submitted my FTC report and they will not remove. On XX/XX/2023, I submitted a FTC report on the account from Calvary Portfolio for {$3100.00}. 

Calvary Portfolio Acct XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine some one stole my identity. XXXX XXXX  XXXX account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts 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 explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: MI
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 did not initiate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A Checking Plus account was sent to collections for a total of {$900.00} remaining balance in XX/XX/XXXX. On XX/XX/XXXX this balance was paid in full for a total of {$900.00} via check. The collection company in charge of this debt was sent the required documents including the check of proof that paid the balance to {$0.00}. 

In XX/XX/XXXX my credit report was labeled as Failure to Pay instead of Paid in Full as agreed in exchange for me paying directly to Citibank the full balance owed. In XX/XX/XXXX my credit report was labeled Negative. I am requesting that all negative attributes affecting my credit report be removed and that my credit report be labeled as Paid in Full as of XX/XX/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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX and XX/XX/XXXX I sent disputing letter to Transunion together with Police report regarding XXXX account on my report. 
I have not received proper answer from Transunion, even thou the status of account i'm disputing is positive, thsat account is not mine and should be remove from my report. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX XXXX   Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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 explanation
Consumer complaint received 2023-05-26
Company: Affirm Holdings, Inc
State: NY
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:
I have file a dispute in regards of incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
I filed arbitration with XXXX XXXX XXXX against Santander Consumer USA on XX/XX/2023 due to securities fraud and violation of consumer laws. I mailed correspondence in writing as instructed by the XXXX XXXX XXXX on XX/XX/2023 and Santander still repossessed the security today. I gave them my case number as well as tracking number for the mailed correspondence and there was still adverse action taken, which is another violation of 12 CFR 1026.13 ( d ) ( 1 ) and the Fair Credit Billing Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed!! Overdraft fees! Denial of opening another account without explanation!!

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 2020-09-19
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LNVN Collection company reported approximately {$3500.00} of XXXX XXXX XXXX XXXX prepaid credit card which had an original balance of {$300.00} and was paying agreed. 

The prepaid credit balance was incorrectly reported to credit bureaus without proper verification of Statements to reconcile payments history with incorrect amount reported in accordance with FTC XXXX with Federal Truth In Billing Disclosures and credit reporting act. Never given the opportunity to disputes and XXXX XXXX   XXXX XXXX failures to validate the inaccurate information as finisher with FTC guidelines and bad faith. 

There no company call XXXX XXXX XXXX XXXX  prepaid credit card company. 

All I got was a frivolous comment with no supporting statements. I am entitled to reconciliation statement with full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Harvard Collections, LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$2900.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation