BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was sent {$600.00} on Venmo by a friend of mine to help me pay for my rent this month. This money was sent to me on XX/XX/2022. I verified my identity on Venmo using my social number, birth name, etc and then they froze my account and asked me to submit my ID. 

I submitted my ID on XX/XX/2022 and was told I would have a response regarding my account and unfreezing it within 6-7 business days because they have a lot of requests I guess for their account specialists. 

This was fine. I stated I would wait the 6-7 business days and I have. The XXXX business day was Friday, XX/XX/2022 I shouldve had a response by then. 

I called support today and was told they now expect me to wait ANOTHER 6-7 business days for a response. 

Its my money. {$600.00} of mine and its stuck in this account and they are refusing to give me any real help. I need my money, to pay my rent. Now I cant pay it. I cant do ANYTHING because the money is stuck and they dont want to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card

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 2022-09-23
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:
I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card

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 2022-09-23
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX i received a notice via mail from XXXX XXXX XXXX, XXXX XXXX XXXX that I owed a debt of {$2200.00} to Discover Bank. They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The Discover account number is XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcXXXX XXXX XXXXXXXXwhich they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXt was sold to XXXXXXXX XXXX XXXX  their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..

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 2022-07-04
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 is missing that should be on the report

Complaint:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXX..it was sold to XXXX XXXX XXXX their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpose

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 2022-07-04
Company: Capital Credit and Collection Service, Inc.
State: HI
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:
Credit card customer service representative erroneously made an error about letting me know as to soft- pull instead of a hard-pull. The latter immediately cancelled my credit card and advised me not to worry because they will notify the reporting agencies their mistake. I called several occasions and notified the latter so far nothing has changed on my credit reports. They then tell me now, I have to call the credit bureau myself directly and whoever gave me false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX  Acct # XXXX has violated my rights. 

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

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 2022-01-04
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:
XXXX Account # : XXXX XXXX Account Number # : XXXX XXXX Equifax is the only credit Bureau who Is still violating my rights and reporting false and inaccurate information on my credit report. There is an account that was reinserted on my credit report without written notification of reinsertion, This is the first Violation. 

The second violation is that on my credit report, the account is a collection/Chargeoff account showing Date Last Active - XX/XX/XXXX but it shows I made payments the whole year for XXXX and the whole year in XXXX. 

third violation - The account is showing a Balance due of {$1900.00} on a closed/collection/Chargeoff I have filed several disputes with Equifax and they are just using the eOscar system to verify this account instead of a proper investigation. 


XXXX Account Number # : xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
- In accordance with the fair credit reporting Act XXXX  XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX, XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital one has been repeatedly calling me even though Ive asked them to stop, they have made threats as well as claiming to be an attorney. They call at all times day and night and have even claimed to work for the company and will it stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Date of inquiry : XX/XX/, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : 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 2022-12-04
Company: WELLS FARGO & COMPANY
State: ME
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:
I was sent an unsolicited Wells Fargo XXXX credit card in XX/XX/2022. I have never had a bank account, loan or credit card with Wells Fargo. I most certainly didnt apply for any credit card or their new product XXXX XXXX 

When I called Wells Fargo to inquire they wouldnt help me unless I provided extensive personal information. They basically called me a liar when I said I never applied for and didnt want a XXXX credit card. I called numerous times and each time the customer service reps were rude and aggressive. 

I also tried to report it to Wells Fargo fraud department but they said it wasnt fraud. 

Some years ago I did inherit a portion of my Dads IRA which I transferred to my own account within 30 days. So I assume they had all my personal information and opened the card using that information. 

On XX/XX/2022 I received a letter from Wells Fargo stating unusual activity and that my account had been placed on hold. The credit card bill showed previous balance, purchases and new balance all at XXXX ( zero ). The interest rate was 25.74 %. 

On XX/XX/2022 I received a notice that my credit card account had been closed. 

My biggest concern is that Wells Fargo used my personal information and ( excellent ) credit score to fraudulently open an account in my name.

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 2022-12-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XXXX I applied & was approved a private XXXX XXXX loan for {$15000.00} @ 18 % interest. In XXXX I graduated, took the XXXX & passed. In XXXX, my husband & I had to file a no-asset XXXX XXXX  bankruptcy. Our discharge was granted in XX/XX/XXXX. Navient has attempted to collect this debt since. My husband & I have had to pay them approx $ XXXX {$12000.00} since the discharge to keep them from ruining my credit. 

I have attempted to work this out with Navient several times since discharge. I keep getting different answers as to why they can continue to attempt to collect the debt. Most recently, even though they acknowledge the loan is a private loan ( it is listed on their website that way ), they say that funds were paid to my law school. While I dispute the accuracy of that assertion, even if Navient paid the funds to the law school, I did not pay for XXXX XXXX courses for my law school- it is not the recipient of the funds that affects dischargeability, but the use of the funds. The law is very clear that private bar study loans are dischargeable in bankruptcy. 

Every time I attempt to address the issue with Navient, they place my account in forbearance which just increases the amount owed due to the 18 % interest rate. The loan is now nearly {$30000.00}. Navient did reduce the loan balance down to {$0.00} this year during an " investigation '' they did but put the balances right back again. 

The law is clear - & Navient has been sued for this exact same thing - Navient has no legal right to attempt to further collect this debt. 

I need help. This is hurting my credit & causing my family stress & hardship. 

I am providing all documentation, including relevant case law. 

Please do not hesitate to contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Collection Management Holdings, LLC
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: LA
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:
according the Fair Credit reporting Act and XXXX accounts : 1. XXXX XXXXXXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 the collection agent for LVNV Funding, Resurgent Capital Services, XXXX stated : " You can contact XXXX XXXX XXXX, XXXX, the third-party servicer that is currently servicing your account XXXX. '' I took steps as suggested. XXXX does not respond to phone messages or emails. After I informed Resurgent that XXXX is unresponsive, Resurgent does not reply. I have even threatened court action - still no response. So, I have no way to address this " account '' that appears on my credit report in the amount of. {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i contacted the company equifax stated to them i notice some inquiries on my report i did not authorize. They came back in less than 24 hours and stated >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE SER Page XXXX of XXXX XXXX ( Continued On Next Page ) XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX  MR EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2023 XXXX EQUIFAX MORTGAGE XXXXXXXX XXXX XXXX XXXX if i am telling them I did not give these companies permission to check my report for the purposes stated then who gave them access to my report without my knowledge? How are the factual data and will remain if they are on my report without permission? These credit reporting agencies are getting out of hand with them continuing to allow things knowingly and will not delete them. They have laws to abide by and they refused on countless occasion in my cases do this to often. The USC codes are there to protect the consumer ( me ) from unauthorized accounts, inquiries etc. and once disputed the credit reporting agency is supposed to investigate the claims not use a auto response system to reply, nothing can be investigated following the laws and properly in less than 24 hours. Stop giving these reporting agencies the right to disregard the laws they are upheld to uphold and start making them actually do what they are supposed to.

Company response to consumer: Closed with explanation