BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
Company: General Motors Financial Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Charger 2x for the same payment to the same company and the company told me I had to call the XXXX XXXX XXXX because it was an issue with XXXX XXXX XXXX saying the payment did not clear and then took the same payment again. {$2000.00} was taken out of my card unauthorized to GM financial and GM financial is telling me they can not resolve it, XXXX  XXXX XXXX has to stop/cancel prevent the unauthorized charge from clearing. Now my family have no money and it is only XXXX? 
I tried to contact XXXX  XXXX XXXX customer service to decline the payment but was placed on hold for 2 hours and the phone disconnected so the issue could not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: IN
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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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 information incorrect

Complaint:
Equifax is reporting one of my installment loans twice. They only one of the 3 credit reporting agencies that is reporting this same loan 2x. I asked them to correct my credit report and they have not. I opened a loan with XXXX Bank on XX/XX/2021. It shows all payments made on time. The exact same loan appears on Equifax a 2nd time also showing opened XX/XX/2021 shows having no payment history but current. By them reporting this loan twice it is effecting my credit score making it seem I have more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NV
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 submitted several letters to XXXX, XXXX  and Equifax regarding false information listed in my credit report and have not received any feedback. I sent these letters back in XX/XX/XXXX, XX/XX/XXXX and just sent in another letter in XXXX. It has been several months and I haven't heard anything. I've sent my letters regular mail and certified mail and still nothing from XXXX  and XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXXCFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX 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 2021-08-17
Company: AES/PHEAA
State: VA
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:
FedLoan is the current servicer for my federal student loans. I have been enrolled in the Public Service Loan Forgiveness program since XXXX. Each year I had to call and re-certify for the program and each year I was assured that I was enrolled in the PSLF program and was on track to have my loans forgiven. I have worked in local and state government since XXXX. I have been in active repayment most of this time. The only time I was not in active payment was temporarily in XXXX and again in XXXX when I was in forbearance due to maternity leave. Once I returned to work, my forbearance ended and I resumed payment. I became a single parent with XXXX young children in XXXX and was placed in an income based re-payment plan with Fed-Loan. I was told by their representative each year when I recertified that I was indeed in the correct program and on track for loan forgiveness. Beginning in XXXX I started applying for PSLF and was denied loan forgiveness. I have applied many times over the past 4 years! I am told that I have only 14 total payments that qualify under the PSLF program. This is completely contrary to what I have been told by FedLoan for the past XX/XX/XXXX years! I have asked for a printout of all my recorded payments since XXXX and I have been denied that information by FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/14 Belk Dept. Store {$2200.00} Balance I opened an account at Belk and the credit limit started around {$800.00} and was increased to {$2200.00}.

I had perfect payment with Belk for several months or for a year, I can't remember now.

My card was stolen, and I found out later that it was stolen by an individual named XXXX XXXX.

I spoke with manager, and then talked to Belk Credit several times about this, but nothing was ever done

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 2018-06-09
Company: WELLS FARGO & COMPANY
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:
The account in question is showing inaccurate information, I would like it updated to show accurate on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX  but have not been able to do so with XXXX  as their site is garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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:
XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX has responded and admitted this is fraud on my account.I have attached this letter. XXXX and Equifax are not removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: VA
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 letter because I reviewed my credit profile, and I am a victim of identity theft and the accounts, inquiries and personal information I listed in attached report I did not authorize or does not belong to me. I have mailed a letter directly to the credit bureau over 30 days ago and I have yet to receive a response. Since I did not receive a response from the credit bureau in accordance with the Fair Credit Reporting Act, I am now reporting my identity theft through the Federal Trade Commission and CFPB which I included my Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: OK
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 recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, Equifax, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match my records.

3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 

4. XXXX XXXX XXXX limit is reporting on XXXX. 

The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.

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 2018-06-09
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX  as their site is garbage.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Jefferson Capital Systems LLC ( XXXX ) XXXX >>> XXXX XXXX<<< This is a wonderful company That Almost Predatorayl Parks debt on my credit report RANDOMLY. They make No attempt to collect a debt ( my phone numbers up to date as my adress ) They mail nothing and they report " New '' account from 9 years ago that have been taken off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I made my payments on time every month up until my XXXX issues and place of employment got worse .... I was terminated for reduction and it was out of the blue but work was slowing down so I reached out to Wells Fargo about the slowdown and not working and applied for a refinance 4 or 5 times even applied 15 months after I purchased the car with a better credit score then when I bought the car ... .. they approved me for a loan of 25 k or so and my credit score was XXXX so shocked me but then 15 months later my score was XXXX and I applied for the refinance and denied fast .... when I lost my job XX/XX/2019 I applied 3 more times for a refinance that would have took my payment from XXXX to XXXX would have saved my car and my credit by approving this with a better credit score then when I purchased first time ... .. I  missed every payment for 4 or 5 months because I could only afford rent and food I have XXXX boys as well so at the last attempt to apply for a hardship refi I got approval but only if I pay XXXX then I pay XXXX and had one day to pay it!!!! I couldnt pay so they took 3 months to repo my car and Im still waiting for a call back from a lady who works with ceo of company and they sold my car for XXXX and I owed XXXX left so they sent me a bill for almost 6 k ....???? Im beyond furious and cant wait till XXXX is over and my current lawsuit is over with because of work injury that Wells Fargo knee about and still took my car and denied every attempt for refi?? Help

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 2021-04-11
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase. 
I sent a request to Coinbase Support regarding a trade I made in error. 
I had no from Coinbase response for months. 
I had already accepted that it was my fault for making the trade in error and moved on. 
Months later they sent me a notification via email that the account was disabled. 
It has now been disabled for almost a month. 
I have no ability to buy/sell or have access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
Merchant settle for less then amount owed which was XXXX XXXX for XXXX $ and owedXXXX account was then closed. Account was openedXX/XX/XXXX and as of XX/XX/XXXX made this account 7years old .so I asked that it be removed completely because by law thats there policy, they have it on my report till XXXX of XX/XX/XXXX Experian sill want remove it XX/XX/XXXX and XX/XX/XXXX has removed it and it should haven been taken off or deleted.

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 2020-09-24
Company: National Credit Systems,Inc.
State: NV
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 disputed the collection account ( National Credit Systems Inc. ) with XX/XX/XXXX in XX/XX/XXXX whereas XX/XX/XXXX said the debt was valid. I disagreed and contacted the debt collector ( National Credit System Inc. ) directly in writing on XX/XX/2020 demanding and under Federal Law they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested XX/XX/XXXX remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX  has responded and admitted this is fraud on my account.I have attached this letter. Experian and XXXX  are not removing this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a business account with PayPal and a link on my website for customers to pay through. Well one customer clicked the wrong link and paid a full purchase price when he should have only paid a deposit on the item, which was another link. I refunded his money immediately and paypal still kept the transaction fee from me. I asked for a refund due to this being an error and they said no over and over again. Paypal will make me refund the full amount to the customer and still charge me for the customers error. This was XX/XX/2020. Amount {$2200.00}, transaction fee of {$67.00}. They have also given a customer a refund of a deposit they made knowing the deposit was non refundable. Plus kept the original transaction fee from me. So they took 300 dollars out of my bank account to give back to a customer that paid a non refundable deposit on a future puppy that hasn't been born yet. Accused me of not sending the customer the item and took the money back. Then kept the XXXX  dollar transaction fee I paid when the customer made the non refundable deposit. PayPal is continuing to steal from their own customers and making rules apply to their customers while they keep money for transactions that aren't final.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital one credit card I disputed multiple time that the XXXX year mark for reporting passed and that the account should be removed. After that capital one began reporting it as charged off every month.even this month of XXXX in retaliation. It was already charged off once and never reopened. I continued to dispute via experian XXXX and XXXX.

Company response to consumer: Closed with explanation