BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}

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 2018-08-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I applied for a mortgage several weeks ago to find Equifax blocked my consumer file from lenders deleting my student loan and refusal to report credit items being reported by newly opened accounts through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 



I submitted a dispute regarding the deletion of my student loan in the amount of {$1900.00} from my Equifax file XX/XX/XXXX. Contacted Equifax they stated I must submit request to Creditor. XXXX was contacted via phone and in writing. Result of XXXX investigation showed account was deleted by Equifax and to contact them in writing along with letter provided with results of their findings. Equifax claim creditor can not contact them to have account re-opened without my authorization. 

I've made several request to Equifax requesting XXXXt account to be reinstated over the last 12 months upon notice. Equifax denies all my request to reinstate account rather over the phone or in writing requesting that I send in my identification, social security card, and proof of residency over and over again. 

As of today XX/XX/XXXX Equifax state their is nothing they can do to report my student loan opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Once again Capital One is trying to run circles around me by admitting they debited my account of {$630.00} because they issued me a check for {$630.00}. I assume they want me to just give up on my {$630.00}, but I can not do that. Right is right, and they are wrong. How in the heck can they say they are justified in sending me a refund of my own money {$630.00} and then turn around and charge me that same {$630.00} again? It is even clearly spelled out in their letter to me dated XX/XX/2018. They admit that they sent me {$630.00} ( which I did cash ), and then turned around and charged me {$630.00}. In my second grade math class I learned that {$630.00} minus {$630.00} is {$0.00}. That means I am still out {$630.00}. They returned my money and then promptly turned around and charged me that same amount. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: MN
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:
In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I XXXX out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the 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 2020-07-01
Company: EQUIFAX, INC.
State: NY
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:
Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nonstop, repetitive calls everyday about every hour. Calls from mulitple differnt numbers, I have blocked many numbers trying to stop the harassment and they call on a new number. I have told them I will make payments online and they try to force me to give them my information to pay over the phone. Company name is Credence. I have asked them to stop calling me mulitple times a day everyday and the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.

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 2018-06-21
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX to collect a debt that I paid off in 2007 for an old XXXX credit card through GE money. I stated that it was paid off in 2007. They stated they are taking me to court for it. I tried to contact GE money and they stated that they show I once had an account but its so old it doesn't show any information. I keep telling the employees at XXXX XXXX XXXX that I paid it off and that I tried to get information on it but my account is too old to show information on it. They stated they are taking me to court for it. I contacted them today and they stated they tried serving me at an old address in XXXX County and I currently live in XXXX Ut. The lady I spoke to today was yelling at me tell me to not contact them anymore when I was just trying to find out my court date and stating that I work on an XXXXXXXX XXXX XXXX and that I am not home during the serving hours to be served the papers. She them stated that she cant help me and that it will be a missed court date. She also then told me I will be held liable to pay their lawyer and court fees. I looked up the rights on the statue of limitations and its says that they cant come after me for it after a maximum of 8 years when this credit card was over 10 years ago. I am not sure how to go about this seeing how I have paid this off but no way to prove it. I currently have custody of my XXXX son and can not afford to pay the amount they are wanting on a debt that has been paid off.

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 2018-08-21
Company: NCB Management Services 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 information incorrect

Complaint:
I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I SENT TRANSUNION LETTERS ON XXXX XXXX ABOUT A INACCURATE AND INCOMPLETE ITEMS THATS ON MY CREDIT REPORT.THEY HAVEN'T RESPONDED TO THE LETTERS WITHIN 30 DAYS NOR DELETED IT FROM MY CREDIT REPORT WHICH IS A VIOLATION AND IS CAUSING ME STRESS IN MY BODY.

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 2020-07-01
Company: Alco Collections, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted multiple time to get in touch with the company. In XX/XX/2019, XXXX XXXX, attorney for alco collections, claimed to furnish an itemized balance to me. I have not recieved it, nor the chain of custody of paperwork I have been requesting for over 2 years. I have made several attempt to have this company prove that this debt is my responsibility. I have made several attempts to dispute with Credit Reporting companies and Alco Collections remains by sending them that the debt is accurate. However, on my most recent report they have missing and incorrect data. I request that their alleged debt be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was adv by cfpb a few months back that this reporting would be removed in 60 days if communication was not heard from the original company. I have not received any type of communication mail or phone from this company and has never heard of them before or after the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AD ASTRA RECOVERY SERVICES, INC was collecting money on the behalf of XXXX XXXX. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXXn credit report and this company AD ASTRA RECOVERY SERVICES , INC name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Wells Fargo Bank, N. A. Account Number XXXX XX/XX/XXXX Sirs : You seem to ignore the inadequacy of the responses that Wells Fargo gives to my complaints as to the XXXX XXXX XXXX  Promissory Note ( now XXXX ). Another Consumer Financial Protection Bureau complaint has been inadequately responded to by the client, yet the foreclosure suit proceeds against me. 

My initial letter to you received a reply letter in which Wells Fargo begged for more time to research until XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, XXXX has filed a Superior Court motion, seeking payment in full of the entire original mortgage amount ( XXXX )! 

In a previous filing, I have shown that the loan was settled in full ( Please see on Pg 76 of the accounting report XX/XX/XXXX Investor Full Settlement Payment {$270000.00}. ) Please explain also explain the eighteen ( 18 ) Misapplication reversals. 

Please explain why the nice round numbers of my huge prepayment checks are not accounted for as such XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} Wells Fargo is engaging in predatory lending practices against me. They proceed with foreclosure lawsuits even though loans have been prepaid in full. 

I demand a full retraction of the suit against me until such time as the accounting discrepancies have been explained. I can not afford the {$170.00} filing fee just to explain why this suit was filed in egregious error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint/ Wells Fargo Home Mortgage Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i HAD MEDICAID /access I was on PUBLIC ASSISTANCE AND HAD MEDICAID INSURANCE I C SYSTEM Last reported : XX/XX/XXXX {$460.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$460.00} Highest Balance {$460.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This account does not belong to me. Neither do these inquiries- 1. XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX- XX/XX/2021 XXXX XX/XX/XXXX. 2021 XXXX. XXXX XXXX, 2021 XXXX. XXXX XXXX. 2021 6. XXXX XXXX XXXX , 2021 7.XXXX XXXX XXXX  XX/XX/2021 8.XXXX  XXXX XX/XX/2021 2021

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 2021-10-31
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It is a FACT, that on, XXXX 2021. I XXXX XXXX XXXX XXXX, went into XXXX LINCOLN FORD DEALERSHIP, on XXXX XXXX XXXX XXXX, XXXX, Va XXXX. To swiftly complete my, Personal CONSUMER CREDIT TRANSACTION on a 2021 XXXX XXXX. IT IS A FACT, that prior to my arrival for test drive, it was discussed and agreed, that my purchase would be a, Personal CONSUMER CREDIT TRANSACTION. I have EMAILS stating prior arrival for test drive. I sent a AFFIDAVIT OF FACT, w Invoice of VIOLATIONS, after i was DENIED MY RIGHT OF A Personal CONSUMER CREDIT TRANSACTION. I have video footage of the violations as well. I am currently sending a, NOTICE OF FAULT AND OPPORTUNITY TO CURE AD TO CONTEST ACCEPTANCE! Please Help! For ALL i was trying to do was, practice my RIGHT, to a Article 3 and TILA Consumer Credit Transaction! This Denial of my NATURAL RIGHTS, As a Consumer, Natural Person, Original Creditor! Thanks for ALL YOU DO FOR COSUMERS EVERYWHERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I bought XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, and the software does not perform as outlined. I am a XXXX XXXX XXXX Veteran. I did not take the 14 day free trial period. I bought the software thinking it would help me as a trader in commodities. I haven't had the software for 14 days. I bought it on XX/XX/2018 and the 14 day period, would end on XXXX XXXX, 20018. I thought there was a money back guarantee during that 14 day period. XXXX didn't explain to me that : all sales are final which I believe is a scam. 

This software does not generate XXXX XXXX XXXX for XXXX. When I bought the software on-line, I was not told : all sales are final. This is a scam to get my money which was {$1500.00}. I used PayPal. Here is the information from PayPal : XXXX2018 XXXX XXXX XXXXXXXX Loading transaction details forXXXX XXXX XXXX - negative {$1500.00} XXXX XXXX this XXXX XXXX with XXXX XXXX XXXX XXXX  Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX United States Category Software Transaction ID XXXX Return shipping refunds Request return shipping refund For more info See Terms Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Total {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I filed a fraudulent Dispute that there are multiple unauthorized fradulent charges on my account which totals up to {$9200.00} and My log in user name and password was changed my debit card pin number was changed. I'm not familiar of this citys and locations of this fradulent unauthorized charges that took place on my account I have never visit this cities that The fraudulent unauthorized charges happen I'm not familiar from this cities that a fraudulent unauthorized charges happened and I don't even have a history of being in this Citys that the fraudulent unauthorized charges happen on my account and I'll XX/XX/XXXX I got the final decision from the investigation Department saying that they did not find any error occurred on my account and they have documents to support that, first of all I did not file a dispute that there's a error occurred on my account I filed a fraudulent unauthorized charges dispute on my account, second of all my login has been changed and my Debt card pin number been charged, after knowing all this how can you make a final decision not to credit my money of {$9200.00} that was fraudulent stolen from my account. 
Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$9200.00}

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