BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-30
Company: DISCOVER BANK
State: TN
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 XX/XX/2019, I mailed in a dispute to XXXX, XXXX and XXXX  Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from XXXX stating the account is now being reported on my credit report, again, because they receive information from Discover Financial Services stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with XXXX and Discover to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This credit card company is corrupt I have a security alert which they refuse to verify me Im XXXX and they want me to got to a store when I cant XXXX this is discriminatory against the XXXX their is a very rude guy they tranfer me to XXXX they has he is the only guy to process credit card online applications For Neiman Marcus Im sick and tired of his lies he calls me and asks to speak with XXXX then he calls and asks to speak with me XXXX hes is crazy playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had really rough XXXX-XXXX. I lost my job with XXXX and had extreme difficulty locating a new position due to covid. As a result most of credit cards charged off. I have been working tirelessly to pay off or settle etc. This store- i assume- has gone out of business making it extremely difficult to reach anyone at synchrony to discuss account details. Each time ive called ive been on hold for over 15 min then the line disconnects.

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 2021-09-09
Company: Nationwide Credit & Collection, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Its Nationwide Credit & Collection Inc. They call from XXXX and text from XXXX. I am receiving multiple calls and texts that ask for verification of identity before they share info. They call 3 to 5 times a week and now have started texting. I pay all my bills and have no idea of any debts owed. They act threatening and say since I wont share identity verification I can just wait for the mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Around XXXX through XXXX of 2020, I had received funds through Venmo of around {$2600.00}. The funds were sent to me through a random customer who purchased a lot of clothing from me. I had attempted to withdraw the funds on the same day of the sale and my account was locked. I had contacted Venmo about this issue and they told me my account was locked for 180 days under a review. After the 180 days had passed, I had contacted Venmo and I was informed that my funds would not be released to me. I had made numerous email complaints and Venmo essentially told me that the case was closed and there was nothing I could do. Here is the exact statement written from a Venmo representative : " You are sending and receiving what we reasonably believe to be potentially fraudulent funds and using the service in a manner that have resulted in reversals. Specifically, you received a large number of payments within a short period of time immediately followed by withdrawing the funds. There is no prior history on your account of accepting several large payments in a short period of time and immediately withdrawing the funds. '' I had explained to Venmo numerous times that the transaction was due to a clothing sale. A person had purchased a lot of clothing from me and paid me in total. That is why the amount was high. As for the matter of withdrawing the funds immediately, who wouldn't? What reason do I have to keep that balance in my venmo account when that money was from a sale? Of course I would immediately transfer it to my bank account. I also want to note that I had over a years worth of transactions on Venmo prior to this large sale, so I was not a new user with XXXX transaction history. Venmo had also explained that there were reversals that resulted in a loss to Venmo. This is extremely one sided and unfair due to the fact that I had lost not only the money that I received from the sale, but the numerous designer clothing that I had sold as well. There was no form of flexibility in terms of a partial payment or a reinvestigation on the incident. It was simply I lost my money and there was nothing I could do about it. I am also writing this CFPB complaint 2 years after the incident because I had just discovered about the CFPB. I would like Venmo to give me my stolen money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.

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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting on my account as late. This payment has never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

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 2019-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After XXXX issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.

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 2018-05-10
Company: The Cherrington Firm PLLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a call from the Cherrington firm in XXXX Utah and with out confirming they had the correct person the representative named XXXX provided the account details and amounts owed with out trying to make sure they had the correct person I do not have any documentation but I can get it and I do have a number which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX, XXXX, 6 days after totaling my XXXX XXXX XXXX, I went to XXXX XXXX to buy a vehicle. I met with XXXX XXXX who was my salesman, although XXXX XXXX XXXX is listed as the salesman on the contract. I explained to XXXX about the accident and that I did not have GAP Insurance on the totaled XXXX and showed him the amount that XXXX had paid on the XXXX, the check of which was issued XXXX/XXXX/XXXX. I showed him the latest bill that I had which showed a payoff of {$13000.00} on the XXXX, having been financed through XXXX XXXX XXXX. XXXX paid a total of {$6600.00}, leaving a remaining balance of {$7000.00} owed on the XXXX. He let me test drive a XXXX, but wanted me to come in the following day, at which time he had me test drive a XXXX XXXX XXXX, which had a large rebate on it, which he said would be used as payoff on the XXXX, together with my {$2200.00} down payment. There was never any question about the financing and the XXXX payoff. They said they called XXXX to get the 20-day payoff and commenced to work up the financing. I signed it all that day, but they called for me to come in the following morning to re-do the signing as the final contract. I understand that XXXX was fired. I have called repeatedly in the first few months afterward to find out why the payoff had not been received by regional. Most of the calls were met with either promising to call back, ( with never a callback ) or not answering until the receptionist finally gave me XXXX XXXX 's cell number, ( XXXX ) XXXX. He is the General Manager. When I told him that my payoff had not been paid, he said, " Oh I 'm gon na fire every one of them '', then said that he would have XXXX call me. She did n't. I called him again ; he said let me call you right back. He did n't. I called him again, ; he put me on hold, then said that the check had already been issued, and gave me the check number and the amount. I contacted XXXX with this information, and they were kind enough to put ( 2 ) payments to the back so that my credit would not be affected. No check came after several weeks and XXXX conversations. I remember it being odd that XXXX XXXX had called to verify the loan and when I told her about the pay-off of the XXXX being financed into the new loan, she said " they told you that ''?. I said yes, and it was true. I went over to XXXX around XXXX XXXX to get my tag and while I was there, talked to XXXX the Salesman, who went upstairs and talked to XXXX. He came back down and said it 's all taken care of ... .XXXX is writing a check as we speak. I was so happy! But still no payoff to date. Thursday, XXXX XXXX, XXXX I called and left a voicemail for the Finance Manager to call me. Today is Monday and no call. I now have an amount due of {$1400.00}, including late charges. I ca n't make these payments plus those on the XXXX, and late payments are showing up on my credit report. I was recently denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed bankruptcy XXXX  XXXX in XXXX and it was discharged. I received a student loan from XXXX XXXX XXXX in XXXX ( now debtor is AES ) for {$10000.00}. It was paid directly to me and exceeded the cost of tuition and expenses. I was a single mother attended XXXX school full time. I have paid on this loan for at least 10 years and I have paid {$25000.00} + yet still owe {$18000.00} +. I believe it was 1. A predatory loan and 2. It should be discharged under the XXXX  XXXX bankruptcy that I filed and the judge granted. I tried to tell them but they said it didnt qualify to be discharged. I have XXXX children, I cant afford to keep paying this bill that seems like it will never be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: OR
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vehicle in XX/XX/2018 and then again in XX/XX/2018 and the dealership was informed and requested to only run my credit once, and they, without permission ran my credit more than 10 times each time. I have received a letter from the dealership stating they did not have the permission to run my credit and they would have them removed from my report, but that has not happened. I contacted the credit bureaus and they had me write a letter stating the problems, and they have since refused to remove these inquiries off of my credit report even though it has been considered fraudulent activity and was not authorized.

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 2021-03-31
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: Reporting company used your report improperly

Complaint:
The company ( XXXX XXXX XXXX XXXX ) reported an account to TRANSUNION without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting TRANSUNION to remove this account 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 2020-11-29
Company: Experian Information Solutions 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:
Experian is violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been a victim of fraud and identity-theft, which my personal information got stole/compromised with someone. I have filed a police report and have submitted an affidavit a number of times to Experian, trying to get my Experian credit file cleaned and fixed. On the other hand, I have submitted those documents to Experian regarding a particular account called : XXXX XXXX XXXX XXXX. This Account was opened on XX/XX/XXXX by an unauthorized person who stole my identity. Experian removed the account twice and it got re-inserted on there because the company really think that I actually opened the account and provided unofficial documentation to Experian, which is incorrect. I am highly upset because Experian is violating the Fair Credit Reporting Act and is reporting and re-inserting incorrect and inaccurate information on my credit file. My next steps are to file a small claims court lawsuit against Experian for not complying with the standards of the Federal Government. Please correct this issue. This account was re-inserted on my credit file on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is making me very upset and is causing additional stress in the mist of a pandemic of COVID-19, which I was affected and those around me was affected as well. Please honor my request and have this fraudulent account removed from my Experian Credit File. Also, this is the only credit bureau this fraudulent account is listed on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: CT
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:
Hi I have settled my XXXX  XXXX account, my XXXX XXXX account and my XXXX  accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.

Company response to consumer: Closed with explanation