BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 XXXX  removed my legal name from it's records as well as my lawful social security number in favor of a fraudulent debtor who did not have my correct name or proper signature on an unsolicited agreement. I am dissatisfied with their lack of neutrality or common sense when dealing with my identity. They seem to unjustly prefer the creditors claims over consumer claims even when confronted with fraud. For the record I provided them with a photo copy of my social security card and fl id with my full and legal name. They allowed a debtor to ruin my life with a false claim and illegitimate claims lacking my name or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: United Docu Prep, Inc.
State: WV
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:
This is a debt relief company and they have charged me fees for nothing. UPFRONT FEES. And, they refuse to return my money. These guys are a SCAM. I have made FOUR payments of {$120.00}, almost {$500.00} in 4 months when my loans were supposed to be on COVID forbearance and they still have not done anything! NOTHING! It is IMPOSSIBLE to get a hold of a " manager ''. Finally I talked to " XXXX '' or " XXXX '' today or whatever his name is. The " MANAGER '' tells me, " Oh we had to submit a paper application and it was denied. '' DENIED? You did not get me approved when you submitted my application 4 months ago AND YOU STILL TOOK MY PAYMENTS?? Worst part? HE REFUSED TO REFUND MY MONEY - instead he told me he would refund 1 payment of {$120.00}. HUH? What was the rest used for? UNITED DOCU PREP CHARGED ME UPFRONT FEES. I was still getting charged fees and the application was actually denied over 45 days ago. UPFRONT FEES. The " paperwork '' and the " Sales Rep '' stated 100 % money back guarantee. Here it is 3 weeks later and FINALLY I reach a " MANAGER '' and he refuses to return my money and wants to keep my UPFRONT FEES. WHAT THEY ARE DOING IS ILLEGAL AND NEEDS TO BE STOPPED ASAP. This is blatantly against the law.I STILL HAVE NOT RECEIVED MY REFUND. They charged me fees and never did anything and surely never completed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a hard inquiry made on XX/XX/2022 from cap1 Saks fifth. This was not me. I am not sure if they were able to open a card for not. I tried to call capital one and they are closed this morning. I will be making another call later today also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Transunion, to determine the accuracy and completeness of public information. XXXX verbalized to me that the information was verified by the Bamkruptcy Court, but stated that I would receive a written statement in 5-7 business days.  I received a written response within the allotted timeframe but it was my credit report which stated "Transunion obtained information about your bankruptcy from third-party vendor: XXXX ..." I contacted Transunion via phone to clarifiy there process and I did't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers) it is a violation of my rights as a consumer and the information should be deleted 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 2023-08-13
Company: Paradigm Assets, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
JHPDE Finance has XXXX accounts that they continue to report the wrong information and they have sold the account to another debt company named paradigm which are trying to reopen the accounts. Both accounts are past the statue of limitations. Both collectors are trying to collect. These accounts were not opened in XX/XX/XXXX. They were opened long before this time and unfortunately they were delinquent before XXXX. They have the wrong information on the accounts and have refused to present it. JHPDE says that the information is correct. But still have not presented any correct information. This information should be removed from my credit report because it is past status of limitations. It should be off as of now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit report I noticed a collection put on there by Capital Accounts even after telling them numerous times this was not my debt. I also sent them debt validation letters by certified mail on XX/XX/2021, which they received and signed for XX/XX/2021. Their agents are rude and uncooperative to say the least and are still refusing to take this fraudulent collection off of my credit reports. Instead they sent me emailed me an itemization which has no dates and no signatures from me or the original party. Pursuant to the Fair Debt Collection Reporting Act I demand Capital Accounts take this fraudulent collection off off all three of my credit reports ( XXXX XXXX XXXX ) immediately since the debt is unable to be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2020-07-15
Company: BARCLAYS BANK DELAWARE
State: FL
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 a ring at the XXXX jewelry store onboard a XXXX XXXX cruise ship, the XXXX XXXX, on XX/XX/XXXX. The purchase was for {$4200.00} part of other expenses I incurred on the ship totaling {$4800.00}. I paid for my purchases using the XXXX XXXX Visa card issued by Barclays Bank. The ring needed to be sized and was going to be delivered to my home a week or two after the cruise. I never received this ring! I began calling the jewelry store, XXXX, in XXXX inquiring about delivery of the ring. I was told they were shut down because of the COVID-19 quarantine in XXXX and XXXX did not know when the ring would be sized and delivered to me. I asked for a refund. After many weeks of hone calls and emails with XXXX, I was told a refund was issued on XX/XX/XXXX. On XX/XX/XXXX I disputed the charge of {$4200.00} with Barclays because I did not receive the refund promised. On XX/XX/XXXX Barclays denied the dispute. I contacted XXXX again and asked about the refund and they told me XXXX issued the refund on XXXX XXXX but XXXX XXXX would issue the refund to my credit card account. I called XXXX XXXX to inquire about the refund and was directed to an automated recording stating their accounting system was not able to issue any refunds and the call was disconnected. I have never received the ring or a refund for the purchase and Barclays should remove the charge from my Visa 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 2023-01-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXX XXXX  XXXX-Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --

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 2017-01-05
Company: Conn's, Inc.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: CITIBANK, N.A.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX REPORT AS PAID AS AGREED XXXX XXXX NOT AS UNRATED. 

WAYFAIR ACCOUNT # XXXX PAID AS AGREED THEY WERE NOT IN THE XXXX XXXX CITI ACCOUNT # XXXX REMOVE COMMENT I MADE XXXX ACCOUNT # XXXX PAID AS AGREED XXXX XXXX NOT UNRATED XXXX ACCOUNT # XXXX SHOULD NOT BE ON HERE AS IT IS A DUPLICATE CARD AND ITS NOT ANOTHER CARD BUT REPLACEMENT AS THEY SENT OUT THEY ARE MAKING IT OUT TO BE ANOTHER ACCOUNT WHEN ITS NOT. THIS SHOULD NOT BE ON HERE AS XXXX ACCOUNTS BUT XXXX SO THEY NEED TO CHOSE WHICH ONE AND REPORT XXXX AND REPORT AS AGREED XXXX XXXX XXXX NOT UNRATED AS I WAS AND DID ALWAYS PAY UNTIL XXXX XXXX XXXX ACCOUNT # XXXX COMMENT I MADE CAN BE REMOVED

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 2022-12-07
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 a victim of Identity theft and I have sent letters to both Experian and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to Experian asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX was sent on XX/XX/2022 as well. After sending multiple requests to both Experian and XXXX XXXX XXXX neither has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to Experian as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.

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 2021-11-10
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient had agreed to suspend payments and interest due to CoVid-19. Just now, they not only started charging again but also never even notified me they were going to start creating a late payment. Even on their own banner on their own site and app, it says in plain writing that they are suspending payments and interest until XX/XX/2020. So what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: AZ
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:
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( XXXX and Wells Fargo ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. We have tried repeatedly to contact Wells Fargo by phone and by mail in particular, but they keep sending card statements and asking for payments when the police officer has told us repeatedly that Wells Fargo has never even approached him.

We have the credit card information, police report number, police report, and the Officer 's Contact Info and we can provide all of this information upon request. We've provided all of this to the companies that are mentioned. 

I haven't attached these documents for privacy concerns.

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 2020-07-17
Company: EQUIFAX, 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 am submitting this complaint about XXXX XXXX XXXX I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My federal student loans were transferred from XXXX XXXX  to XXXX. Equifax instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the XXXX  accounts without closing the original XXXX XXXX Accounts. I attempted to dispute this information on XX/XX/2023 with Equifax but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal government loan provider ( XXXX XXXX ) has told me theres nothing they can do to update Equifax again. 

Confirmation # of Dispute filed with Equifax about duplicate amounts showing on federal loans : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received a Bank of America debit card after registering for unemployment benefits and the card says activate immediately. I have called every number ever known to Bank of America, and can never get through, can't leave a message, can't get a call back. I can't activate the card, and Yes I have tried everything on line. Your websites the website on the card and just trying on a hope and prayer that your XXXX app would be able to help. But nothing ... ... and this is completely unprofessional by Bank of America. It's either no user name, no passcode, your security info is not valid, don't recognize credentials, need a password. And it says a passcode will be sent but it never shows up. I just need something as simple as activating a debit card, but no help from Bank of America or UIA, or the Dept of Labor or XXXX  or anyone period. Really frustrated and expect some to step up and help me activate the card. And Yes I don't have a Bank of America account, but I was happy to use a debit card because I always felt Bank of America was a class above. Apparently Not. Need Help ... 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 non-monetary relief