BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using metro 2 compliance. They are also directly violating my consumer rights As per Section XXXX ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from 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 non-monetary relief
Consumer complaint received 2018-06-13
Company: Columbia Recovery Group LLC
State: GA
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:
I received a call from " XXXX XXXX '' with this number. Claimed to work for the county. Complete lie, threatening to arrest me etc. I recorded phone call and voicemail.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE 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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted TransUnion to file a dispute on a collections agency that is fraud. TransUnion called back, but the call sounded fraud as the person asked for personal information and then hung up.

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 2021-10-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working with Navient for some time now with both my private student loans to work towards the repayment. 
Since I have been working with Navient they have not been forthcoming in terms of providing me with appropriate repayment options until I had started with School at XXXX around XX/XX/XXXX. 
They provided the option for me to pay {$100.00} on my student loans while I was in school. However in XX/XX/XXXX they had canceled that payment plan option for me because they said that I had exhausted this option which I felt was ludicrous as I have been paying for my current education out of pocket because I do not have any aid funds available which amounts to {$4000.00} every 6 months which equates to {$660.00} a month that needs to be saved to pay for this. 
Now Navient also wants me to pay {$850.00} a month towards my student loans, which is too much for me to be able to pay both and still be able to take care of my family. 
I have asked Navient when I first was told of this plan cancellation to see if there are any further programs I can be part of since I am going to school and I keep getting told that I am not longer eligible for any programs as I have exhausted them all which I don't believe that to be true as we are also in the era of COVID and based on Navient 's website is that they do have other programs available but no one had even mentioned them to me. 
When I have asked Navient employees during our calls " Is paying on my student loans from a fraudulent school more important than pay for my current education and even putting food on the table? '' There was never any answers. I have let them know that I am not refusing to pay but I will pay what I can so that I can have a better future to be able to pay down on my loans without feeling like I have to choose a bill or basic living necessities. 
I have received notice via the Borrower Defense program that my direct student loans have been forgiven from XXXX XXXX and what else I find unsettling is that the majority of my private loans are also with XXXX XXXX the servicer is not willing to work with me on providing any suggestions or assistance to help with the repayment or even recommendations regarding the fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, 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 received alert from XXXX about an inquiry on XX/XX/2020, in XXXX, which I never made. It used Equifax for the credit report. 
I attempted to dispute with Equifax and I was directed to file a report here before I can submit a dispute with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX XXXX BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE 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 2020-04-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Greetings, Wells Fargo would not give me a small business loan, therefore I had to use the personal Wells Fargo credit card with high credit points in order to conduct daily business while being a XXXX XXXX XXXX XXXX. Once I reached my limit, and had slow payments. Wells Fargo passed my account over to XXXX XXXX  XXXX, a collection agency who ultimately had a XXXX XXXX XXXX XXXX rule on a " Garnishment of Wages '' against me in 2017 in XXXX, Tennessee XXXX XXXX XXXX. Now, after several years of paying promptly, I've contacted both Wells Fargo and XXXX XXXX   XXXX and they've both been unwilling to allow for me and my wife a pay - out amount even since this Coronavirus Pandemic crisis. And they have still refused on each phone call with their reply to deny. As an XXXX American  family, we have reviewed such horrific actions caused towards XXXX Americans from Wells Fargo and criminal tactics since The Great Subprime Scandal. Nationwide, XXXX Americans and XXXX  have suffered tremendously due their criminal intent actions. And now, for almost three years,  my Credit Report has been ruined due to the fact of having a " Garnishment of Wages '' in the report. I've filed a recent request for a court hearing in 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 2022-11-16
Company: EQUIFAX, INC.
State: IL
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 never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, 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:
I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says XXXX XXXX. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

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 2021-10-20
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A cashtag participant created a fake profile similar to a business which led to the transfer of funds to his account to the incorrect account. I informed the cash app immediately and no action was taken to stop the pending payment. As per the cash app disclosures : You may select a unique alpha-numeric name to identify yourself on the Service ( a $ Cashtag ). You may not select a $ Cashtag that misleads or deceives others as to your business or personal identity or creates an undue risk of chargebacks or mistaken payments, As per this portion of the disclosure, the individual on cash app was able to create a cashtag ID similar to a business to allow the misapplication of funds. Cash app allowed this misleading behavior and when informed did nothing to stop the transfer of funds. 

6. Peer-to-Peer Service Payment Amount Limits If youre sending large amounts of money over the thresholds described here, you will need to provide an additional ID so that we can make sure you are who you say you are. 

We will require you to provide us with additional identification information if you wish to send more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period or to receive more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period. Square may impose other limits on the amount you can send in any one transaction or in multiple transactions over any seven ( 7 ) day period, subject to some restrictions. We may adjust these limits at any time at our discretion. 

Furthermore, the transaction amount sent via cash app should have been verified as per the above policy. The total amount transferred required additional verification by cash app and this was not performed. 

The terms and service descriptions clearly indicate that cash app did not follow their of service in protecting individuals transferring funds on their platform and continue to deny the fraud that was demonstrated in my case. I am requesting a full refund of the funds that were stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
inquire appeared on my credit record that I don't recognize. i have called to resolve and no luck. 
date XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: TX
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 is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Comerica
State: CA
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:
there was an {$18.00} charge by an XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX on my statement on XX/XX/19 & an International Purchase Fee of {$0.00} on XX/XX/19 that I did not recognize. I began immediately to call & try to alert the Fraud investigators at Comerica ( XXXX XXXX XXXX ), my XXXX debit card Account. Their lines were too busy to take my calls until I finally got through on XXXX XX/XX/19. the SR Number is : XXXX for my complaint & XX/XX/19, I got a dismissal letter from the Fraud Division, claiming there was a conflict in my report & disallowing my report of this theft of my SS funds. When I tried to get through to request the documents from the investigation, the lines were busy again. this is about the XXXX time I have had these unauthorized theft of FUNDS in this account & been told it wasn't a theft, but never got the records of the investigation. This is happening way too often, in this XXXX Comerica Account. I need a better result, I hear the same thing from my known XXXX recipients too. The LAW needs to be changed to require at least the business phone number from these HACKERS, so a complaint doesn't get brushed aside. I can't afford these losses of my meager living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX  XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.

Company response to consumer: Closed with explanation