BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company has asked that I pay a debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, they keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

All of these companies need to UPDATE MAILING ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX DONT SEND ANY MAIL TO XXXX XXXX XXXX XXXX XXXX CA XXXX  this address is not a good address remove this address from all accounts and update with new address.

XXXX XXXX {$3300.00} XXXX XXXX   {$670.00} XXXX {$53.00} 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 non-monetary relief
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft 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 2021-01-21
Company: EQUIFAX, INC.
State: SC
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 have been in constant battle back and forth with Equifax for almost 3 years now. they have blocked me from being able to dispute items on my credit report. They have opened investigations and closed that were not submitted by me. They still have the wrong date of birth on my credit report two years after sending them the proper verification of my correct date or birth several times via fax. They currently state that my account is being held by a special handling department in which I can only speak to them. They will not thoroughly investigate items that I did properly dispute, they just update my report with verified but will never ever provide proof of that which they say they verified. They have allowed a creditor to pull a hard copy of my report 9 times within a two month time span and didn't even think that to be strange. XXXX XXXX XXXX pulled a report on my credit without my consent to pull XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. XXXX XXXX does not have anything signed by me that I gave them permission or even knew they had did this to my credit report this many times. I have tried to get some resolution with Equifax but to no avail. The block was removed 2 years ago when I advised CFPB of what they were doing and now it seems to be placed back on there. It states that I have investigations in process, which I have not called them or talked to them in a while so how can I dispute something that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Control Corporation put a medical collection on all three of my credit reports. The medical bill was paid my insurance ( XXXX ) XX/XX/2019. This is collections is stoping me from closing on my home. Waiting up to 45 days I will lose my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I had found tickets to the XXXX XXXX XXXX being listed and sold through XXXX XXXX. I reached out to the seller on Friday, XX/XX/2019 at XXXX about a price and what form of payment they would accept. They suggested PayPal and gave me the email address XXXX. I then used PayPal for the transaction and sent the amount of {$60.00} ; however the seller then informed me that he did not have the tickets. When I reported the scam to PayPal and asked for them to cancel the transaction, my case was denied ( Dispute Case ID : XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield placed a collection debt on my credit report thus ruining my credit for a charge of {$3800.00}. Concession Charge Back {$720.00}, Insufficient Notice Penalty {$1800.00}, Keys and Locks {$60.00}, Lease Termination Fee XXXX, Move Out Check List Charges {$36.00}, Rent XXXX. My ex wife kicked me out the apartment on XX/XX/2020, I called XXXX the leasing agent on XX/XX/XXXX to inform her what happened, she was so rude on the phone and hung up on me. l informed Hunter Warfield I moved in with my ex wife XXXX XXXX and I did not sign any lease prior to XX/XX/2020. The lease I signed was in XXXX/XX/XX/2020 which did not take effect till XX/XX/2020. l asked XXXX XXXX in XX/XX/2020 to send me a copy of the lease I signed prior to XX/XX/2020, have received nothing as yet. l always paid our rent on the Ist of every month.l don't owe XXXX XXXX XXXX  anything. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}

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 2020-05-13
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: Information belongs to someone else

Complaint:
I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.

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 2022-01-05
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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:
Equifax currently reports inaccuarte inquiry : XXXX XXXX XXXX south east on XX/XX/2020 without my permission. This is illegal and a violation of federal law. 

Inquiry : XXXX XXXX  XXXX XXXX XXXX ; did not award any credit or loan, inquiry as no permissable cause. 

This reporting violates FCRA rules sec. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraudulent charges made to my account at the end of XXXX from a perpetrator using my debit card information to make purchases on XXXX. I contacted XXXX, Bank of America ( the company I am filing this complaint against ), and the police to file the necessary claims and reports. Bank of America agreed to permanently refund the account on XX/XX/XXXX. On the morning of XX/XX/XXXX, Bank of America withdrew {$78.00} from my account calling it a temporary credit reversal, despite the fact that those credits were previously said to be permanent.

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 monetary relief
Consumer complaint received 2020-05-13
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am paying off my mortgage and am having difficulty with the mortgage company doing this. I sent them a cashiers check on Saturday XX/XX/XXXX. The check cleared my checking account on XX/XX/XXXX. I called the mortgage company Quicken Loans today XX/XX/20 and they claim they have not received the check and want a tracking number on the check. This should have been credited to my account by now. I want the deed to my property and this transaction completed so that I can own my condo. They are delaying the process. Can you please contact them and make them do this. They are not acting in good faith.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Global Lending Services repossessed the vehicle in XXXX of 2018 after trespassing on private property, I went to retrieve the vehicle and or my belongings out of the vehicle within one week and was told that I couldn't pay my past due balance to get the car back, that I was in breech of contract and that the vehicle would be sold at auction. Although I signed an agreement with them to extend the payment plan after loss of employment. XXXX did not let me retrieve anything that I had in the vehicle to include my childrens car seat and they sold the car at auction, recuperated the amount of the loan and still continue to report me late to the credit agencies every month. 

CEASE & DESIST REPORTING OF PAY STATUS ON MY BEHALF PURSUANT TO 15 USC1681B CONSUMER REPORTING IS VOLUNTARY AND I AM NOT VOLUNTEERING OR GIVE PERMISSION TO PROVIDE REPORTING OF ANY NEGATIVE ACCOUNT STATUS TO ANY CREDITOR, CRA, THIRD PARTIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy Federal Credit Union offered investment account which I accepted and opened. Two years ago I closed the account but they keep sending me messages and now they are adding new fees. I went on chat and they said I still had XXXX cents in the account and I needed to login to the account and transfer out the XXXX cents. I told them I did that already twice before and small amounts keep popping back out. I am not willing to do that again nor confirm the account number to send the XXXX cents because I've done it twice already and it could be a phishing attempt. Basically Navy Federal will not let me close the investment account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, XXXX Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-08-29
Company: Syncapay, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020, I purchased a {$200.00} virtual visa gift card via XXXX app. On XX/XX/2020, I tried to use it for the full amount of {$200.00} but the transaction was declined, the payment DID NOT go through. However, when I checked the gift card balance, I found that it has XXXX balance. The transaction was pre-authorization, this hold always falls off in 2-3 business days and the funds go back to the card. In my case, this didn't happen. Prepaid Digital Solutions, the issuer of XXXX app virtual visa gift cards, never re-deposited the {$200.00} back into the visa gift card. 

I followed the instructions listed on XXXX app to resolve this issue and filed a dispute with the Prepaid Digital Solutions on XX/XX/2020, I mailed in my dispute documents to Chargeback Services XXXX XXXX XXXX XXXX, FL XXXX USA, USPS tracking number : XXXX, delivered on XX/XX/2020. I never heard back from them and they never deposited the {$200.00} back into the visa gift card. On XX/XX/2020, I called Prepaid Digital Solutions at ( XXXX ) XXXX at XXXX XXXX ET on a recorded line to inquire about the status of my dispute, the agent wasnt able to find my dispute documents and he got a supervisor involved. The agent then unapologetically advised me to dispute what I paid for this gift card directly with my Bank as their dispute process takes 100 days to resolve. 

Ever since I've been trying to solve this dispute with XXXX without success.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2019-06-17
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: Information belongs to someone else

Complaint:
The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX- {$210.00} XXXX- {$780.00} XXXX XXXX- {$240.00} XXXX- {$210.00} XXXX FCU- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

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