BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
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:
XXXX refuses to remove fraudulent information on my credit report. I have provided a police report. This is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: MD
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:
ON XXXX/XXXX/XXXX, a complaint was filed with this agency regarding Experian Information service and its inability to verify a XXXX XXXX XXXX account on my credit report maintained by them under my social security number ( XXXX ). Experian continues to violate FCRA 611 ( 15 U.S.C. 1681I ) ( 5 )  Treatment of Inaccurate or Unverifiable Information ; I been unable for two years and an expired statue of limitations, been unable to verify a XXXX XXXX XXXX account for and FCRA section 611 ( a ) ( 7 ) Description of reinvestigation procedure. Experian continues to not provide a valid method of verification. On XXXX XXXX, XXXX, I received a copy of a credit report maintained by Experian Information Services under my social security number, with a paragraph that states, Outcome : Updated - information on this item has been updated. Please review your report for the details. Visit experian.com/status to check the status of your pending disputes at any time. Attempts to check this status fails. ( See Attachment ).

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 2021-06-25
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone is using my address to send cards from CashApp and the company refuses to protect my address for that use. 

Cards are being sent and I only see them through the e-mail message I receive every morning from the Postal Service ( images attached ). Then, these letter are never there when I get my mail later in the day - which means someone is, in fact, reaching out to my mailbox to recover those cards. 

I am not home during the day to talk to the Mail person or try to intercept that person who is taking the cards or even getting the card earlier so they do not succeed in using my address to whatever they are trying to do. 

4 different people answered my e-mail messages complaining about the issue : XXXX, XXXX, XXXX and XXXX. Apparently my case number is XXXX. This last message shows exactly how uncommitted CashApp is to combat fraud. 

________________________________________________________________ From XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, This is XXXX with Cash App Support Team. Thanks for getting in touch with us I hope you and your loved ones are safe and healthy. At the moment XXXX is out of the office. Ill be taking over from here and I completely understand that you want to stop getting card in your address, otherwise you will open a ticket, and just know that I'm here to assist you along the way. 

Were always looking to improve our products based on our customers feedback and enjoy hearing from you about how we can make Cash App as useful as it can be. At this time we do not offer the option to block an address from getting cards. 

Ill pass your request to the rest of the team. Thank you for sharing your insight with us! 

If you have any other questions or concerns, feel free to let me know. I'll be more than happy to assist you. Have an amazing day! 

Best regards XXXX XXXX Cash App Support Team ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have sent in a dispute regarding my capital one auto finance report to XXXX a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. Capital one has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. XXXX  refuses to report accurate information. Today I contacted XXXX by phone and they were very rude to me. The agent XXXX  was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe XXXX  profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX.  Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
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:
XXXX continues to report fraudulent accounts on my credit report that don't belong to me because I am a victim of identity theft. They refuse to accept my disputes. This is against the FCRA. These accounts need to be removed. I have provided a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, Equifax, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.

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 2020-08-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying settle with midland funding, they are unwilling to work with me. They are asking for full balance and they have even ask for my pay stub saying that want to set up a payments. I have told them im on SS. They keep giving me the run around about this and lying to me to try to get me to paid this in full. i should not have to go thru all this when im telling them what i can paid. Why do they did check stubs? they dont!. they are trying to garnish my wages and lying to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: JPMORGAN CHASE & CO.
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:
I purchased with my Chase VISA credit card XX/XX/XXXX a Tour with XXXX XXXX in XXXX XXXX XXXX. The tour company was very popular and we were requested to pay {$5000.00} in advance for a XXXX 16 day Tour package departing XX/XX/XXXX. In XX/XX/XXXX we were to have received our airlines tickets, hotel information, Optional Tours we purchased, River Cruise tickets, all parks and bus and plane travel and food was to be supplied. All prepaid by our family. 
The Consumer Protection of XXXX suspended the XXXX license and they ceased to exist effective XX/XX/XXXX. I tried to call the company on XX/XX/XXXX when I became aware of their Fraud and closure. The XXXX website and telephone number directed me to Consumer Protection of XXXX. Consumer Protection directed me to Chase Bank to # 1 put in a merchant dispute to get our {$4900.00} back from the merchant bank. After a few months the Merchant has  refused to refund our money because it has been over a year since we paid. 
Where I disagree with both Chase Bank and XXXX XXXX XXXX  XXXX is I believe it IS 60 days or one year from the date of DELIVERY of their service or product or goods. XX/XX/XXXX was our DELIVERY OF GOODS travel date. I don't believe the date I paid is the date to BEGIN my dispute. I believe the date services were to be rendered is the date to establish a starting point. XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Account for old car loan that that was paid off has many things on my reports inaccurately. Disputed info over 30 days ago with TransUnion and XXXX.. I want to have this account removed from reports. Have screen sots and copies of all inaccurate negative items.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello I call Transunion to complain about the fraud inquires thats was place on my report and they was not trying to help so can you please ask them to provide supporting sign documents with my consent if not place have them to remove all inquires listed below XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018

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 2018-02-23
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to  locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. 

I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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: Account status incorrect

Complaint:
XXXX shows 1 late pay. i have contacted them several times about this. i have never paid late. all my accounts are on time. i have auto draft come out of my checking account monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying to dispute a school loan from the PA department of education in the amount of {$9500.00} for almost two months now through EQUIFAX. There was a lawsuit with my school and I have documentation supporting that it should have never affected my credit in anyway and I still have been marked for late payments, and it still says that I owe that remaining balance. I have filed multiple online disputes through EQUIFAX BETWEEN XX/XX/XXXX and XX/XX/XXXX. I have called them and filed multiple disputes, including two or three disputes that my address is incorrect. They claim to have fixed my address and it is only the street name with no numbers! I mailed all of my information including social security information, along with my ID as requested, and they said it got lost. I faxed them over my information and they still say they have not received anything!! Every time I call I get disconnected, or they say they cant get into my account! Ive filed multiple complaints and talked to a manager who did not have anything to say to me about the matter. For a company that are holders of millions of peoples social security numbers and confidential information, they dont seem like they know what they are doing! I also have a hard inquiry for XXXX because I had them for one day and the equipment did not work. I tried to apply for a credit card and was denied due to this loan still on my report that should not even be there, and my score went down 17 points because of it. That is not my fault. The incompetence that EQUIFAX shows in performance as a company is absurd! Someone needs to investigate the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I filed a dispute with the credit bureau regarding many accounts that are reporting to my credit report that do not belong to me. 
The credit bureau has not provided proof of ownership and instead has provided false information to my credit report without proper documentation confirming the 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 2018-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 a certified letter was sent to Portfolio Recovery Associates requesting proof of contract or application obligating me to this debt this company claims I owe. Portfolio Recovery Associates has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Portfolio Recovery Associates. Portfolio Recovery Associates is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Account Control Technology, Inc.
State: NY
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 have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, INC.
State: TX
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 sent a letter to XXXX XXXX to remove the hard inquiry listed on my credit report. The letter stated I should be compensated for the hard inquiry because they where not able to verify it was me. I called the call center and spoke with a gentleman. He STATED THAT there where several people in their system listed in my name. I asked that they should remove my name and the hard inquiry. He transferred me to the fraud department who stated they would investigate. I keep getting calls from XXXX XXXX. They are asking me to call them from my XXXX cellphone that I do not have. Will someone please assist me with this because I have already requested that they remove the hard inquiry if someone took out a cellphone and has service than XXXX XXXX should call the police department and threaten to deport them to wakanda and not me. I should not be XXXX to XXXX because someone has a cellphone with my social and my name. Please Assist Me. Does XXXX XXXX not screen any incoming phone calls or do they just allow anyone to verbally register a phone is someone elses name. This is a white collar crime. This is identity theft. Please allow me to review all records XXXX XXXX has in my name. I have never requested service with XXXX XXXX. Not know or ever in the past or present or in the future because of this crime.

Company response to consumer: Closed with explanation