BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Checkr background check service is reporting two charges when I only have one charge. My conviction was in XXXX county nj and I received probation. For probation reporting purposes the case was transferred to XXXX County after sentencing. I only have one offense yet Checkr is reporting the same offense under XXXX County and under XXXX County. This makes it appear to employers that I have two charges when I only have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I received a letter from Equifax stating that the wrong addresses that is being reported on my credit file had been deleted but according to my credit file on XX/XX/XXXX, incorrect information is still being reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal frozen my account and wont let me withdraw my funds, i submited a payment for a service and they didnt send the money, instead of that they hold the money and block my account permanently, i cant acces my money, and is more than a thousand dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I still have {$110.00} reward balance when the Capital one Spark visa was cancelled by the bank.I didnt owe them money and I always paid off the bill before the due day. I didnt received any notice or reason.I tried to talk to them, but I was denied from XX/XX/2018-XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.

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 2019-04-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company took it upon themselves to lower my credit limit by {$1300.00} stating they sent a letter, which was never received. i questioned the change they said they have the ability to change a limit or close a card based off monitoring credit, i have had the card for almost 3 years and have never had any issues with it, there was one payment returned by the bank because they didnt recognize it as my husbands card and thought it was fraud, the payment has since been paid. they lowered my card from {$2000.00} to {$700.00} when theres already a dental charge on there for almost {$600.00}, so now they have not only harmed my credit by doing so, it shows that the card is at 80 % use. i can no longer even use the card. its unfair and abusive for a credit company to take advantage of a customer in the way they have, simply after one issues in the whole 10+ years i have even done business with 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 2021-05-07
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried sending money on Friday XX/XX/2021 to pay rent and the payment never reached the recipient and then a duplicate amount of money was also taken from my account a 2nd time as a request totaling over {$3000.00}. When I tried to reach Cashapp by phone the first time, a recorded message said they didn't have phone reps available. Then I tried to find another phone number and reached a company posing as Cash app told me to download a remote app. When I was finally able to reach a legitimate Cash app representative that following Monday, I was handed off to several reps for the past two days saying they would look into it. Today I was told ( through email ) the payments were completed and there was nothing they could do and to contact my bank ( which already did on Friday ). After doing some research, this has happened to 3000 people this past year and Cashapp has done nothing to correct the problem. Please look into this and warn customers not to use Cash App. I have been dealing with this for over a month no one can provide a record of the transaction - which is odd. Now my rent is behind, my checking account is overdrawn - customer service is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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 belongs to someone else

Complaint:
There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Public record information inaccurate

Complaint:
Credit bureaus are reporting bankruptcy as of XXXX XXXX on my credit file

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 2018-03-23
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed for bankruptcy in XX/XX/XXXX and had it discharged in XX/XX/XXXX. The debt trying to be collected was from XX/XX/XXXX and included in my bankruptcy. I have mailed a certified letter to the company with proof and even disputed with XXXX and nothing is being removed. I am asking for help to remove this item. 

Company reporting it is : VIRTUOSO SOURCING GROUP Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Report Number XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Company is illegal hold my flood loss draft insurance checks for my properties. I won the case in XXXX county Supreme Court and Ocwen is harassing me without Federal Truth In debt collection act. Ocwen illegally patern my life for money along with New York State Department of Finance. Hold  funds in escrow without legal reason. Alleged collusion with XXXX insurance for my property damaged claims check.

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 2020-05-05
Company: Stephen L. Bruce, P.C.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a default judgement file against me from Stephen Bruce & Associates which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Sterling Credit Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XX/XX/2018 by XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA XXXX ) that I have a credit card payment to make. I initially thought it was a scam call as I never heard of XXXX XXXX XXXX before. When I called them they said they are not receiving payments and I am the owner on the account. I said I never owned XXXX XXXX XXXX 's credit card and asked them to email me the original credit card application which they did. I contacted them right away as I notice the signature on the credit card application was not mine and my ex-husband put the signature for joint owner. I disputed this credit card and questioned XXXX XXXX XXXX how did they add my name without taking my permission. I filed complaint with XXXX XXXX XXXX police about this and I clearly mentioned that the signature on the application is not mine and emailed the affidavit to XXXX XXXX XXXX. In-spite of doing all this, XXXX XXXX XXXX didn't remove my name and now they sold the account to XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX ). Now I am receiving collection calls and letters from XXXX XXXX XXXX. I would like you to take action on XXXX XXXX XXXX which made a mistake of adding my name to Credit card without taking my permission and started bothering me when they stopped receiving payments from my ex-husband. It is causing so much stress and pain and affecting my daily life. Though I am innocent here, I am being punished with these phone calls and letters. Please take appropriate action on XXXX XXXX XXXX as they made mistake of adding me without my knowledge and for harassing me. No credit card company or lender should get away for their own mistakes and harassing innocent people I condemn XXXX XXXX XXXX 's attitude and behavior towards me in this whole process and question their policies for issuing credit cards and XXXX XXXX XXXX for calling and threatening me with their phone calls and letters

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2017 my XXXX  account was labeled as closed. How can there be a balance on a closed 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 2018-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2018 I discovered that XXXX had reported a hard inquiry on my credit report with Equifax. Eventually XXXX agreed to remove it " see letter attached " Equifax is telling me they never received any removal request from XXXX on XX/XX/2018 as XXXX   indicated, please see attached Equifax is not willing to contact XXXX even though I provided them with the confirmation number. 
I was in the process of buying a home and this hard inquiry effected my score and I tried everything with Equifax to end up with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.

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 2018-12-29
Company: CREDIT BUREAU OF FARMINGTON, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collections : CBF/XXXX Creditors Address:XXXX XXXX XXXX XXXX , NM XXXX   Account Type : Collection Agency/Attorney Creditor Type ; Rental/Leasing Placed in collections:2013-XXXX Amount Owed : {$2500.00} Account Rating : Collection account This Debt was result of identity theft!!

Please help me, I can't solve the problem, I am troubled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have sent award letter from XXXX and 3rd party authorization. 
I was awarded under XXXX  XXXX forward payment. Nothing has posted on my acct yet. 
I was told payment went out to my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, Equifax and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: OPORTUN FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 at approximately XXXX I contacted oportun in order to bring my past due loan current. A divorce that slid into larger financial issues with the commencement of a national pandemic emergency caused me to financially lose my footing. The first representative I spoke to informed me that my loan was charged off 4 days prior. For context my last payment was about 90 days prior at the end of XXXX. The concerning part was that this representative refused to tell me information such as the balance at charge off or how much I fell behind. He violated my financial rights by refusing to provide information crucial to the process to pay this debt. He misrepresented material facts about the collections process. At one point he claimed I missed 13 payments which would have meant I havent paid in a year. I asked if oportun could work with me, but he told me that they dont do that. I asked again since I know the XXXX has asked lenders to work with customers in this extraordinary time. I escalated my concern to XXXX a supervisor for oportun at about XXXX. The supervisor was unable to provide any assistance. I think oportun should act in good faith and work with consumers like regulators within the industry have asked and not act in a predatory manner. I just want to bring my loan current, but can not pay off the note. I can make a payment anytime they can work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX original creditor XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion a collection in the amount of {$1300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please seepage attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX multiple times and each representative I speak to informs me that have no customer information under my name and have no record of my ever being a customer. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also contacted the bureaus to remove this however, I have not been successful.

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 2017-11-30
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX has been contacted several times from my credit repair company re : a collection of {$110.00} that was opened XXXX, 2015. I have no knowledge of this collection and the original company ( XXXX ) could not furnish anything relating to this debt. The collection has been removed by XXXX and XXXX and while Equifax wo n't remove it, they also have not given me a reason as why they believe this collection is mine. This has been disputed several times and their only answer has been to not address it or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: COAST PROFESSIONAL INC
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Yesterday I received a wage attachment/Garnishment from The department of education via debt collector Coast Professional Inc. They are about to seize 25 % of my disposable income from my check. 

The money is said to be {$78000.00} loan of which I have never seen or heard of. It does not tell me dates of the loan, who the original provider was nor what school the loans are from. 

When I check my loans on federal student aid website, none of this matches what they are attempting. When I check my credit report, I havent noticed anything like this either. 

I have called the numbers listed both yesterday and today and havent gotten through. 

I do not know how a company can just take money from your check without attempting to reach you or discuss payments first. I already have garnishments regarding family and simply can not afford something else taken out without my consent.

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 2019-04-23
Company: Early Warning Services, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have had several Bank accounts and credit cards that was opened in my name. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation