BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX 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 2019-07-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They tried contacting me via my cell phone number and I did not call back because right now I am trying to figure out how to tackle some of my student loan debts. Finally called my employer and told me that in order to settle the debt I would have to cash in my retirement fund. Gave me 3-4 days to look into it. Called me work again. I told them I would not be doing that and he proceeded to tell me that if I don't do that then I am refusing to pay the debt when I in turn told him that I would like to start paying on the debt via a payment plan. He would not give me that as an option. He kept insisting my only option was to borrow against my retirement and that me saying I wouldn't was me refusing to pay the debt when I was suggesting a payment plan. As it stands there is no resolution because the ONLY option they are giving me is to pay my debt in full with no other options. I have since gone to a financial counselor and they suggested to report this type of contact. It was VERY abrasive and insistent. I've since learned that you can tell them not to call your work which I did and they have stopped, but continue to call my cellphone, but I am hesitant to answer because he was very insistent that I only had ONE option to pay the debt off. I've never dealt with a debt collector like this before and it gave me major anxiety especially since they are giving me no other option. I would like to start paying on the loan via a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: FB FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a PMI cancellation request via email on XX/XX/XXXX. The company auto-replied that it will respond within 30 days. A month passes without a reply or resolution. I called in on XX/XX/XXXX. Customer Service said they can not transfer me to the PMI department nor could they provide direct contact info. They advised they will put in a request for PMI dept to call me back within 48 hours. No one called back. I called in again on XX/XX/XXXX. It was the same situation. They validated the phone number and could not transfer me to the PMI department. The supervisor did not allow a transfer request. 

To my knowledge, they must respond within 30 days to request for more information or to deny my request. I did not get any request for more information. It is my understanding that they can not deny my request at this point without being in violation of the Homeowner 's Protection Act.

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 2021-05-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
No action to restore my JCP store credit card has been taken to date ( XX/XX/XXXX ). 

Synchrony Bank sent me an upgraded store credit card to include MasterCard services without my request or consent. I confirmed ( XXXX ) with a Synchrony Bank supervisor that JCP store card holders are randomly selected to receive MasterCard services and new cards are automatically sent without request. Synchrony Bank does this because the MasterCard is rarely offered in the store, according to the supervisor I was speaking with on XX/XX/XXXX. I explained that I thought what I received was a replacement card for my store card and wanted master card canceled and the store card credit account restored. Synchrony informed me that because the card was activated, this was no longer possible at the time of the request. I would have to go into the store and re-apply for the store credit card. This was unsatisfactory to me because the store credit card won't issue a new card for up to 1 year after closing the store credit account - which is what happens with the JCP MasterCard authorization I did in error thinking it was just a replacement card for the store credit card. The account numbers between store credit card and JCP Mastercard services addition remain the same account numbers, which is why we think I thought I just got a replacement card, when in fact JCP Mastercard is opened when we activate the unsolicited card. They will need to look at the account history closely because a replacement card was issued after the switch to include MasterCard occurred in XXXX due to removal of an authorized signer that required I report the card lost/stolen to get a new account number. They need to review the XXXX card history.

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 2017-07-26
Company: Experian Information Solutions 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:
Under the new law, effective XXXX XXXX, 2017 any public record data must include name and address as well as a Social Security Number and Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information. Per the new law true Brankruptcy listed does not include this information this and should be deleted from MY credit report. As stated before this does not belong to me and should have never been placed 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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I live in California, was on a vacation in XXXX, Tennessee. During my time there ( XXXX ), my card was charged for Gas in the amount of {$26.00} with the location saying " city, Florida '' XXXX XX/XX/22. I have never been to Florida, I don't know anyone in Florida, and have never given my card number or authorized anyone to use my bank account information. When I contacted Chase, they filed a claim and reimbursed the funds. A few days later on XX/XX/22 they then sent me a letter stating that after investigation they feel that the charge was valid and authorized. It makes no sense that I was in Tennessee, and all my charges prior to and after that Florida charge were in Tennessee. They said the extent of their investigation was that the PIN number was correctly input on the first attempt, and that they can't reverse it. Due to the fear of my account being compromised, I withdrew then entirety of my funds. I also received an email with an invoice that someone from New Mexico ordered personal checks with their name and address information on them from XXXX, Chase 's check company partner, with my bank account information on it. This tells me that my bank account is completely compromised, and Chase is doing nothing to help me resolve the situation. There is no safety and security from Chase in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. 

I disputed this directly with PDQ. They did not correct the balance in the 30 day window.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Corp Solutions, a debt collector, contacted me about two credit card debts that were opened in my my name. They said the two accounts were business accounts. I explained that I don't do business in the US and have been working in the XXXX and XXXX since 2014. I explained this was a fraudulent account setup using my personal info. They said these accounts were under my name and thus, I was responsible. I explained again that these were fraudulent accounts setup using my PO Box and personal info. I explained I had done police reports and FTC reports along with credit freezes of my credit reports to protect my personal info against this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, my local bank in XXXX, Oregon ( Simple Bank was their name ) closed. Accounts were all moved to BBVA. I waited a couple of days, then followed all of the promps to log in and change my account to BBVA. There is no support from Simple. They are completely cosed. I started calling BBVA. I have tried at least 5 different numbers. I have made over 20 calls since XX/XX/XXXX. I have spent more than 24 hours on the phone. Hold, transfer, give all info, hold, transfer, hang up. No one at BBVA can assist me in getting access to my account. They have reset passwords and I am still locked out. 
My debit card does not work. I have NO NO NO access to my money and BBVA does NOT have any concern for this little worker. 

They are very difficult to communicate with and sometimes impossible to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX bank added a inquiry on my account for XXXX XXXX did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this bank

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 2021-05-17
Company: Paypal Holdings, Inc
State: UT
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 am trying to open an account with Venmo. As part of the application process, I was required to submit a mobile phone number. The on-line application process rejected my application claiming my number was a land line. 

When I contacted customer service, they told me that my phone service, XXXX XXXX uses VoIP technology. Venmo is not compatible with VoIP phone numbers. 

This makes no sense, customers interact with Venmo thru their app - not telephone calls. 

When I asked for further clarification, they responded " We do not have the information you are requesting nor are we at liberty to reveal details of Venmo 's internal operations. '' Why would Venmo not be able to let me use their services when I have VoIP phone service? I can only guess that they want to make money off of their customers by selling information about phone activity and location information. I don't know, this but I suspect I am being rejected because they can not exploit phone information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: FL
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:
I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is XXXX and the company name and address is XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is {XXXX} and the company name and address is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA 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 2022-04-05
Company: Nelnet, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received an email notifying me of the debt. On XX/XX/XXXX, I asked for more information and debt validation. A few emails went back and forth, I got a few phone calls during times in which I could not answer. I sent a letter following up that I would like more information and debt validation. I received a letter back asking for information that is not required for debt validation. I received another email on XX/XX/XXXX asking me to call in regards to the debt, I responded to this email reminding them that I asked for debt validation in XXXX and attached the letter I sent which requested them to stop contacting me if it wasn't in reference to the debt validation and to remove everything from my credit history as the debt is being disputed. I never got a response. They are still reporting on my credit history, they have not provided anything to validate the debt, and if this is not fixed by the end of the month, I will be contacting an attorney to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Problem with personal statement of dispute

Complaint:
Capital one after the company issue anew card # for the same existing account is been reporting to all 3 major credits bureaus for the last two months out the cycle of the statement for the credit card account. I dispute the account last month with capital one and told me is going to fix the problem and did not!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
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:
someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX 6.XXXX XXXX XXXX 7.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 2019-02-01
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:
credit bureaus refused to reverse the late payments reported on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX  is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX  complied with this requirement.

Company response to consumer: Closed with explanation