BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX is the servicer on my XXXX XXXX XXXX XXXX Student Perkins loan. They have forced me into an interest accruing forbearance even though I qualified for a Unemployment Deferment and Since XXXX of XXXX, to XX/XX/XXXX All Federal Student loans were suppose to automatically qualify for a 0 % interest forbearance with {$0.00} payments. My Federal Stafford loans followed these federal guidelines of the CARES ACT. 

However XXXX has not, with some help from my school XXXX XXXX was able to fix the problem with the previous problem however saying it used up ALL of my deferment months becuase XXXX ignored the Federal CARES Act that was suppose to freeze interest and payments from XX/XX/XXXX - to XX/XX/XXXX. 

Can you please help with reporting this loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a call today XX/XX/XXXX owing Fifth Third Bank {$1800.00} from closing an account in XXXX that had 4 transactions adding up to {$1400.00}. This is the first I have heard of this in 9 years. I don't recall the account nor do I have any information about what I supposedly spent this money on. XXXX XXXX XXXX XXXX is claiming if I don't pay them today, they can submit a claim against me for my contractional obligation. If they submit this, they say that XXXX will lock me down at my current bank, causing me to not have access to a checking account or debit card for five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with Chime bank has become fraudulent. This has been going on for 4 months they keep granting access to my account to the people with the information no matter what I've tried changing passwords changing emails nothing works. Chime refuses to close the account and issue a new account to me. It's impossible to do banking with them. I'm one of thousands of people that are going through this right now. I literally have to pull money out of my account as soon as my direct deposit hits it because someone will try to get access and remove the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent MULITPLE Letters to Equifax and they have failed to respond within 30 days. I sent a XXXX XXXX Letter on XX/XX/XXXX, a No Response Letter on XX/XX/XXXX, an additional No Response Letter on XX/XX/XXXX. I have sent a FTC report 5 times to Equifax and nothing has been done. I also sent an Intent To File FTC Complaint Letter on XX/XX/XXXX and Equifax has yet to respond to any of my letters. Equifax is violating Fair Credit Reporting, Section 611 ( a ) ( 5 ). They have failed to verify information within the 30-45 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX - XXXX is not reporting my account to Equifax. This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX  - XXXX is not reporting my account to Equifax XXXX This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is the law firm attached to a debt collection attempt from XXXX. 
they are attempting to sue for an amount to XXXX that is wrongfully owed. Threat of garnishment and unreasonable payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was contacted by a rep for AFNI collections agency, I was told I owed a debt I told her that I didn't owe the debt on behalf of XXXX low income because I contacted them because I was moving urgently for safety reasons, the rep at XXXX on XX/XX/XXXX told me the service wasn't available in the area I was moving to. I told him well I don't need the service because the move had taking place. Any utilities at this service address was off no later than XX/XX/XXXX so this service should of been turned of completely, which shouldn't of gone into another month of billing. The rep at AFNI took the tone as I told her this as if I refused I told her I like the steps to dispute she got mad and said she was going to report it on my credit and tell XXXX not to service me again and hang up on me. I called back that day to speak with a supervisor in which I left a detailed message and online request form for dispute with my account # I haven't received any response back. This seems to be a malicious attempt to harm my credit based on the reps actions for a minor amount. I received no notices outside of the most recent AFNI because my mail was being obstructed. AFNi was calling but never left messages so on the day in question I picked up to be upset by the manner in which the rep handled my call or didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AMERICAN HONDA FINANCE CORP
State: NC
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 spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal erratically rejects ( but sometimes approves ) transactions to send money to my family members from my U.S. Government-issued XXXX debit card ( XXXX XXXX ) and won't tell me the correct reason why. They keep telling me to contact my bank. I have done that, and my bank says they did not decline my debit card. 
The amount I tried to send was a fraction of the available balance on my debit card. 
I am a XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX-era veteran. 
When I was on Active Duty, I engaged ( for an injured Servicemember ) help from U.S. Senator XXXX XXXX. More recently, I got satisfactory resolutions from U.S. Senators XXXX XXXX and XXXX XXXX. 
Thanks, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Retired )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was applied to my credit within the last year ( XXXX ) The date they state I was there was in KY, was the winter of XXXX. My XXXX son was seen as a patient and they did not apply our insurance to the balance. This hospital has been shut down, filed bankruptcy and had allegations of falsifying accounts and charges. I asked for proof of the charges, nothing was sent to my address. Email or any form of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was a police report filed on XX/XX/2019 reporting the scam. Person had access to my bank account at the time. Report XXXX. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX that the following XXXX XXXX XXXX account payments to be removed and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-09-13
Company: Majority USA, LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received a email from majority XXXX  on XX/XX/2023 that the XXXX XXXX in my majority account was transferred to the bank account I listed on the transfer form. It is now XX/XX/2023 and have not received the XXXXXXXX XXXX and can't get a reply from majority email support or majority phone support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The person, XXXX, XXXX XXXX XXXX, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name Westlake Portfolio Management a debt collector Westlake Portfolio Management has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.

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 2023-04-17
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I should be qualified for public service loan forgiveness. I sent Mohela my forms by mail and fax in XX/XX/XXXX and never heard back. I called and was asked to submit again in XX/XX/XXXX. I did so. It is now XX/XX/XXXX and they still have not process my forms. The only resolution available is to submit again and wait 4 months for there " normal '' processing time to find out whether they lost it again or not. The outcome of this process substantially impacts my financial and tax choices and I'm being held in stasis by their inadequate process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: CA
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/18, I finally opened a mailing I received from Capital One that said I was pre-approved for a credit card. They even said they reviewed my credit information, so they should have known my credit score and history. I thought this would be a good opportunity to get started on repairing my credit. I applied but I was denied. This hard inquiry and denial has a negative impact on my score and further complicates my journey to good credit. 

Credit card companies using " pre-approval '' scams to lure folks with bad credit to apply for new credit is predatory and should be illegal. How can you be " pre-approved '' but not get the card? Getting denied hurts your chances of ever getting a card anywhere else. 

Capital One scammed me and added to my damaged credit history. These kinds of scams need to be investigated and made illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Account information incorrect

Complaint:
Im writing to you regarding a huge discrepancy I have found in my EXPERIAN credit report. 

XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS REPORTED ON EXPERIAN XXXX XXXX XXXX AND XXXX WITH TOTALLY DIFFERENT DATES OF ACTIVITY? DELETE ACCOUNT DUE TO INACCURATE REPORTING. 
ALSO, ACCORDING TO THE FCRA LAWS, ALL CHARGE OFFS MUST REPORT WITH XXXX BALANCE YET YOUR COMPANY REPORTS THIS ACCOUNT WITH A BALANCE. THEREFORE, YOURE NOT REPORT 100 % ACCURATELY. PLEASE DELETE THIS ACCOUNT FROM MY REPORT. 
THIS ACCOUNT IS A CHARGE OFF YET, I DID NOT RECEIVE A 1099-C FORM. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY REPORT DUE TO THE INACCURACIES.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why XXXXne account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX  account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Checking my account as of XX/XX/XXXX when this account has had my name removed back in XXXX.

Company response to consumer: Closed with non-monetary relief