BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have repeatedly disputed and disputed with Equifax regarding negative hard feelings inquiries should be deleted from my report as well as with XXXX but I feel like no matter what I do they are ignoring me regarding my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: LA
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:
Was given a letter two weeks before closing account that chase has closed ALL of my accounts with no further explanation. 
Called multiple chase numbers for my personal and business accounts and they refused to conduct a secondary review and would not give any explanation. DO BETTER CHASE! This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to close my PayPal account for weeks. I have called them and told them to close it. They say ok and then they don't close it. I try online and it gives the the option then loops around and around. There is a zero balance and I removed my card months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax multiple times to have unauthorized inquiries removed from my credit report. 
During this time an account that was tied to the following inquiries was removed : XXXX XX/XX/XXXX XXXX. XX/XX/XXXX But to date the inquiries have not been removed. I have submitted two separate FTC reports reporting them as fraudlent and yet they still remain. On one ocassions I was told the format I used was inaccurate which is why it wasn't removed. On another occasion I was told that the creditor were bunched together instead of each having a sepeate line item for themselves. 
I latest attempt was XX/XX/XXXX where someone asked for supporting documents that I have sent and I gave her those documents and she stated the previous inquiries would be removed plus the inquiries : XXXX XX/XX/XXXX She gave me a confirmation number # XXXX and the next day the following inquiry was removed : XXXX XX/XX/XXXX It was the only one removed form the report of the 4 inquiries. 

Today XX/XX/XXXX I called to question the other inquiries remaining and was told that they have no supporting documents and that all documents are erased after 90 days!!! 

I was told once again for the third time in the last year to submit documents I have on two other occasions to be told that they were incorrect when they are FTC documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX we agreed to a Discover Card Direct Pay agreement which would draft XXXX our checking account monthly. We had just been enrolled in the HAMP program and need to stabilize all our expenses. The agreement was for one year. In XXXX of XXXX, without notice, letter or even a call Discover drafted {$430.00} from our account. We called and asked that the above {$300.00} amount be returned immediately. They said no, it was " a past due '' amount. Nothing could be done. In XX/XX/XXXX without notice again, they drafted {$710.00} from our account. We were shocked and called again to no avail. They subsequently closed the account and demanded full payment. Our position is that their Direct Pay agreement does not allow them to withdraw whatever amount suits them. Their credit agreement does not allow it either. We can not believe we are the only ones to suffer this fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>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 2022-08-26
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice in the mail around XXXX of XXXX stating that I was to appear in court because I was being sued by a debt collector called XXXX  Funding, original creditor XXXX, after I had recently attempted to dispute the negative account multiple times with all 3 credit bureaus.

I submitted my answer letter to both the court and the debt collector, requesting validation and proof of the debt. I received a notice from the court stating that they needed more information from the debt collector before they could proceed with the case and allowed so much time for the creditor to submit proof. LVNV FUNDING Corp. failed to provide this information and the case was dismissed by the court in XXXX of XXXX failure to prosecute with due diligence. In my initial response I requested that this negative debt be removed from my credit reports. As of XX/XX/XXXX it was still showing up. I went back to the courts to make sure that the case was actually dismissed and closed and they assured me at that time that it was. I then contacted all 3 credit bureaus and initiated another dispute against the creditor and mailed the debt collector a certified letter with copies of the court papers received showing the dismissed case and again requesting the removal of the account from my reports. A few days later I began receiving multiple letters in the mail from the debt collectors own debt collector and the whole thing appears to be reopen again under the creditor name of Resurgent/LVNV FUNDING Corp .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: TransferWise Ltd
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XX/XX/2021 Funded account with XXXX XXXX XXXX XXXX XX/XX/2021 Requested ACH disbursements totalling {$2100.00} XXXX XX/XX/2021 Contacted Wise customer service due to held transaction - submitted requested information XXXX XX/XX/2021 Submitted formation and identification information on website. 
XXXX XX/XX/2021 XXXX XXXX customer service to followup. They said it could take XXXX days for compliance to respond, that I didn't need to do anything. 
XXXX XX/XX/2021 Placed wire request for XXXX XXXX XX/XX/2021 XXXX XXXX Customer service. Was told to just wait. I said " thank you, may I know how long I should wait until checking again? '' The response was " I already told you, you need to wait '' and they ended the session. 
XXXX XX/XX/2021 Found email in spam from " XXXX '' requesting a statement on source of funds. 
XXXX XX/XX/2021 Customer Service assured me that funds will be released in the morning. 
Later XXXX requests detailed business plans and other private information. Later that was amended to an Official Notice from the sender of funds. 
We are a very small company. We don't know when the requests will stop, we can not pay our suppliers. This grant was a lifeline to help us stabilize our business after a very hard 18 months. TransferWise will likely cause our company to fold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by Convergent when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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 2016-05-02
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a balance of XXXX on my credit report from Western Shamrock. I have filed several complaints requesting proof I owe this debt. The only letter i received was offering me a settlement on a debt that is not mine and can not be validated. I will file a civil lawsuit if I must against this company to protect my rights. I want proof this is my debt. Something showing where I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was checking my credit report and there was collection from ERC for a  XXXX  cellphone company for the amount of  XXXX  dollar and i never had services with  XXXX  i am with  XXXX  i did never go with  XXXX  how they can do that and they have no information about my birthday or ss number so how they know its mine theses bad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: WA
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: Personal information incorrect

Complaint:
To Whom it May Concern, Everytime I have contacted Equifax since the first recognition of my information being displayed incorrectly, back in XXXX of XXXX, I have nothing but come across continuous roadblocks. I was asked to fax : my birth certificate, my ID, SS #, phone #, address verification and a cover letter of why I am disputing information, when I initially called to report my birthday is reported incorrectly, I sent Equifax rhese items via fax as they requested. I haven't been able to answer the security questions correctly to have a telephone consult on why this hasn't been changed and I don't know what misinformation the security questions are recorded as. I have complied with this request 2 times since the initial fax to unlock my account, although they are not asking for me to fax my Birth Certificate to unlock my account they are requesting the other documents listed above. I will try and explain this scenerio as best I can, quickly and effectively and I hope that this time it will be taken seriously with accurate credit report results. 

Just for the record ... I will say that I was divorced in XXXX and filed a bankruptcy in XXXX. Beings as I had the bankruptcy I found no need to try and apply for any credit other than a simple minimual balance capped credit card with XXXX XXXX. Equifax is the only agency reporting my date of birth in errors, which I have attempted several times to change because they are the first credit report to be veiwed when applying for jobs and credit. Equifax reports that the the duration of this information is around 10 years. Overall, I beleive that this misinformation has hendered my ability to obtain a good paying job and also any credit as I would be 12 years older than I actually am. 

Aside the fact that I never claimed residency to the below addresses being reported and would also like these to be removed : XXXX XXXX XXXX XXXX, XXXX WA XXXX - XX/XX/XXXX ( co-signed for daughter ) XXXX  XXXX  XXXX XXXX WA XXXX - XX/XX/XXXX ( XXXX XXXX XXXX XXXX rented after we seperated ) XXXX XXXX XXXX XXXX XXXX, WA - XX/XX/XXXX ( XXXX rented a box there after we were seperated ) I recently requested an address be removed in an online dispute and the changes were made with out any questions asked. Yet they won't change the items that are important to be changed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2021-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was not sub category for this issue. This is probably in the wrong category. This complaint is against Experian. This complaint will be used as evidence against Experian in my law suit that I am initiating against them, My credit score has dropped 23 points since 3 days ago. There has been no new derogatory information reported on my credit report. All my open accounts are paid on time and in good standing. My credit usage decreased by 6 percent. My overall debt decrease by almost {$200.00} and this cause my score to drop? Not likely. Experian is retaliating against me because I filed a complaint against them with the CA Attorney Generals office. There is no way my credit score should have dropped 23 points when no new derogatory information has been added. My overall credit usage decreased and all my open accounts are paid on time and in good standing. My overall debt decreased by almost {$200.00}. I understand how credit scores work and how many things factor into a credit score. This being said. There is no logical reason that my score should have decreased. Experian deliberately dropped my credit score out of retaliation.

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 2017-10-16
Company: Cottonwood Financial Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving a automated call from a " XXXX XXXX '' looking for myself stating " this is the final attempt. Call back for proper delivery of these documents. And to call back XXXX. '' I have never had any dealings with this company and their scare tactics wo n't work. 

But is is very annoying that they call my home 4 times in a row then leave a message on the 4th try.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They try to collect money from me for something is not belong. I want them to provide me with 2 pieces of information 1 ) Original Contract with my signature on it 2 ) Proof of ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
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: Account status incorrect

Complaint:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, Experian, 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with Chase-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the Chase site last night, I could not log in, I went to XXXX XXXX, " no information is available at this time ''. I am sick to my stomach as what has happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Genesis FS Card 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 status incorrect

Complaint:
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
every year i need ro recertifiy my REPAYE program, each year i use the FSA calculator to look at me and my wifes income, and it details how much we will be paying for the next year, taking into consideration our joint income and joint loan balance. 
my wife was XXXX, and mine was XXXX, but when i did my paperwork, navient came back and said my payment was 250+? 
i do this every year and when i bring it up to them, they offer a forebearance while i resubmit paperwork, but all that forebearance does is captilize my interest to my principal, thus increasing my loan. i end up paying a few payments during the year, but cannont afford the 250+ all year, so im forced into there wonderul option of forebearance. even while they should be researching my issue and pausing or allowing me to make a smaller payemtn.

Company response to consumer: Closed with explanation