BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: SECURITY FINANCE CORP
State: AL
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:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, account payment history and a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2023-03-10
Company: Block, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a payment for my son to an account on CASH APP and when doing this I accidentally hit the space bar and the payment of {$100.00} went to the wrong account. I have made multiple attempts with this company to get my money refunded and they tell me I am just out of luck, I also tried to contact the account that I transfer the money to and they declined to refund my money. The company Cash App is not willing to help out at all!! 

I have now turned it over to my bank as a Fraud!! 

Cash App should be closed down!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Affirm Holdings, Inc
State: NC
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 did not consent, authorize, or benefit from any of the following accounts 1. Affirm Inc XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
capital one recently closed my a/c ending in # XXXX = w/o legal justification, and w/o due process of law - my a/c was paid in full = the company attacked me because i am caucasian  and a supporter of president trump & because my skin color is XXXX = i was in full compliance with the terms of my a/c & they unlawfully retaliated against me merely because i am a XXXX  american = the company officials are XXXX against white americans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NAVIENT STUDENT LOANS HAS BEEN CALLING ME A HARASSING AMOUNT OF TIMES ( OVER 5 TIMES A DAY ) FOR THE PAST 2 WEEKS FROM DIFFERENT NUMBERS. I WILL TELL THEM NOT TO CALL AS I AM AT WORK AND THEY WILL CALL RIGHT BACK AS IF IT IS FUNNY. TODAY XX/XX/2020 I ASKED WHAT SHOULD I DO JUST XXXX XXXX, WILL THAT MAKE THIS ALL STOP OR WILL YOU BILL MY SURVIVING FAMILY? XXXX THE SENOR RELATIONS MANAGER SAID NO, YOU HAVE NO CO SIGNERS SO THAT WILL STOP ALL COLLECTIONS ... AS IF TO RECOMMENDED THAT I SHOULD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Account status incorrect

Complaint:
XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX  via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi. I don't know what's going on but I disputed accounts that weren't mine or weren't accurate with the credit bureaus back on XX/XX/XXXX. I never got any notices and I feel like its been a really long time. I read that the credit bureaus only have 30 days to give me a notice back with responses and its been far longer than that. I also sent them my license and social security card so they knew who I was. 

I just recently sent them a second notice last week but I don't know if I'll be ignored again. 
Please help me get some results back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3.XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XX/XX/XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was diagnosed with XXXX XXXX in XX/XX/XXXX. Spent XXXX in and out of hospitals. 
( XXXX treatments/shots/doctors/surgeries ). My insurance at the time paid for most of the medical claims but I received statements reflecting my balance due after deductibles. I paid on these balances as I received bills. At some point XXXX stopped mailing me statements and sent all of my charges to a collection agency called C & H Collections. Absolutely the worse, heartless people I have ever dealt with in my life. I made payment arrangements and up until XXXX of XXXX I paid over {$5000.00}. 
In XXXX of XXXX received FIRST NOTICE of a balance due of {$2800.00} from QAR. Multiple medical accounts from XXXX Hospital. C & H was no longer handling my account. XXXX took it over. I again made payment arrangements with them and paid {$2000.00}! 
QAR is still calling me ( as recent as today ). They ( XXXX XXXX ) told me that I still owe a {$2000.00} bill from XXXX from XXXX!! They received it XXXX years later in XXXX. I have asked QAR ( XXXX XXXX ) to mail me a statement of my account showing what I have paid them and to explain the new charge from XXXX. I asked at least 5 times on different calls. TO DATE I HAVE RECEIVED NOTHING!!! I think they are just trying to get more money out of me. There is no way I owe anymore more money after paying {$7000.00} to both companies for medical bills from having XXXX XXXX!!!! I am not even sure what I was paying for. I just want this nightmare to be over!

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/XXXXand it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: JPMORGAN CHASE & CO.
State: WI
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/2020 I filled out an application for a Amazon Prime card provided by Chase. During the application process, I was declined due to an all encompassing policy that Chase has, which states that any person who has opened 5 accounts within 24 months is denied their application, no matter their credit worthiness.

Unfortunately, this was not disclosed prior to applying for the card. As I was aware that I had opened more than 5 accounts within 24 months, I either would have waited until that was no longer true or I would have chosen not to apply. 

Now, I have a hard credit pull which negatively impacts my credit score, ongoing credit worthiness and ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: MD
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 have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.

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 2019-06-03
Company: Halsted Financial Services, LLC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX called me at work-told them my employer does not allow personal calls XX/XX/XXXX received missed call at work from them XX/XX/XXXX called me at work told them my employer does not allow personal calls halsted financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A purchase through XXXX with funds moved by PayPal. Customer purchased camera for XXXX and paid through PayPal. Customer filed complaint after receiving, saying didn't get item. Then stated misleading information to XXXX on transaction. Claim denied. Then opened case with PayPal saying he received rock, was asked to file police report and would not, I told PayPal and XXXX I would accept return if boxed properly and insured. Customer claimed he could or would not. Customer filed claim with Post Office on insured items. I sent affidavit to both companies showing proof of shipment and packing. Then customer filed with bank/credit card company? and i was notified PayPal would represent me and should not be a problem as he lost two previous cases. PayPal did not send any rebuttal information to bank on dispute from me only showed where customer signed for box. Charges reversed at the end of this 2 to 3 month back and forth correspondence. Customer never returned item, And truth and lending law violation as never worked it out with me and did not return items. PayPal refuses to disclose vital information to pursue legal remedies. Monies withdrawn from my account and item never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: CO
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my 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 2021-10-07
Company: EQUIFAX, INC.
State: OH
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:
on XX/XX/2021 and XX/XX/2021 I sent dispute to validate debt and to remove unauthorized information off my report according to the federal law which protects my consumer rights title 15 United State Code 1681 ( a ) ( 2 ) exclude any Transactions from me and any person shall not be on consumer report.I just sent another dispute with a affidavit of truth and facts, Intent to sue for disregarding the law through Certified mail on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-02-05
Company: JPMORGAN CHASE & CO.
State: KY
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 am a XXXX - year- old senior citizen who has been severely taken advantage by XXXX They used deceptive sales tactics to convince me to pay a hefty amount of money. I have come to realize that he knowingly and falsely promised me services he knew would lead nowhere and prove to be unsuccessful. 

He was talking about web hosting etc ... he said he would use keyword phrases that would put my website visibility in XXXX front page, even though I mentioned I had little experience or working knowledge of websites. However, the representative very adamantly insisted that I didn't need to have too much participation, because everything would be handled for me and it would be very easy to be successful. That has not been the case. 

The contract also states something about visibility listing scores yet when I search the company name nothing comes up unless a parenthesis is added. That is not the way anyone would go about searching. 

All I know is that I was coerced into paying for a very basic service, not at all the way it was described to me, what I paid for is not what I expected. I would like a refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation