BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: PLS GROUP, INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a 2 money orders amounting to {$4100.00} from PLS CHECK CASHERS XX/XX/XXXX WITHIN 20 MINS OF PURCHASE I RETURNED TO THE LOCATION PAYED ADDITIONAL {$30.00} TO STOP PAYMENT TO THE MONEY ORDERS THE LOCATION MANAGER MADE A ERROR WHILE SUBMITTING THE STOP PAYMENT AND PLACED A HOLD INSTEAD OF THE STOP PAYMENT AS REQUESTED WHICH THE HOLD WAS THEN LIFTED 7 DAYS LATER WITHOUT MY KNOWLEDGE AND ALLOWED THE MONEY ORDERS TO STILL BE CASHED WITHOUT MY CONSENT I WAS TOLD I WOULD RECEIVE MY REFUND WITHIN 30 DAYS VIA MAIL ITS NOW 5 MONTHS LATER AND PLS CHECK CASHERS HAS NOT RETURNED MY FUNDS NOR HAS GIVEN ME ANY OTHER OPTIONS TO RECOVER MY FUNDS THEY WONT COMMUNICATE RETURN EMAILS CALLS I WOULD LIKE ASSISTANCE RECOVERING MY FUNDS MY FAMILY IS FACING A FINANCIAL HARDSHIP AND CURRENTLY IN THE STAGE OF BEING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting a prosper loan as Chapter XXXX bankruptcy I HAVE NEVER DECLARED ANY SUCH BANKRUPTY THEY ARE REPORTING ON A PROSPER ACCOUNT THAT WAS PAID IN FULL. THIS IS AND WILL CAUSE DAMAGING EFFECTS. ITS UTTERLY UNTRUE AND VIOLATION OF FEDERAL LAW AND CRIMINAL WITH BANKRUPTCY COURTS AS I HAVE NEVER SOUGHT NOR FILED ANY SUCH BANKRUPTCY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: FL
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:
Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXX  XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXXXXXX XXXX XXXX   XXXX {$550.00}

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 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/15 I disputed several accounts on my Experian and XXXX XXXX credit reports. 
XXXX/XXXX/15 XXXX deleted XXXX accounts ; XXXX duplicate XXXX and XXXX collection accounts and XXXX old XXXX account XXXX/XXXX/15 Pulled Experian credit report which still shows the XXXX accounts above

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
To Whom It May Concern, I am requesting that Capital One review my financial situation to see if I qualify for any workout option. I am having financial problems making my monthly payments because of financial difficulties due to pandemic. 

I have recently lost my job due to it closing down and I am taking significant pay cut due to the current devastating economy. I used almost all of my savings and it is getting more and more difficult to stay up to date on my rent payments and much more. I cant find a job at all due to Florida covid cases continually increasing and nobody is hiring or even close to what I was making to keep up with my mandatory living expenses for my family and I to survive. As a result of the outlay in expenses and the bleeding dry of my money, I am struggling to make my car payments. Kindly consider my current situation and consider my request for some type of help. I had every intention on making good on this loan as well as my previous loan with you guys, but at this time it does not look possible. 
When I received this loan I wasnt aware of pandemic I knew I had to get out my car or I will be owing a lot of money. I didnt take any of this into consideration at the time that I will be in this situation today. This current financial situation that will cause me to be default on our loan agreement. I dont want to lose my vehicle and will do anything I can to work with you to remedy the situation and find a solution that will benefit us both or my only option will be I will have to voluntarily surrender the vehicle. Please consider my situation and consider my request for help. 
Thank you for your assistance and cooperation. 
I XXXX XXXX state the information provided above to be true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: IL
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:
I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.

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 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One, XXXX & XXXX I am very angry! Capital One has lied to me! I settled the debt and paid in full. Before I paid the debt I asked would it be taken off my credit report completely ; they told me yes, and it still was not removed. I have paid my debt and want it removed from my credit report immediately! Because its not removed it is hindering me from obtaining any other credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has ALL collections through their company, all collection accounts are listed as a revolving type of debt. I have tried disputing this information through equifax. XXXX has listed this type of debt through equifax credit company. I have tried contacting Equifax with no response. Please have this company fix their inaccuracies for XXXX XXXX Medical Center, which are medical bills and not revolving credit accounts. In addition XXXX XXXX has an account listed without a date or amount owed, I find this questionable and am concerned about fair credit reporting practices this company conducts. They have made multiple inaccuracies on my credit report, causing my report to contain XXXX inaccurate information on my accounts. In addition, I would ask for CFPB conduct an investigation into the practices of this company and also remove the several innacuracies XXXX XXXX has reported on my credit reports. Please have this company also verify the original debt, because I do not feel they have this information in their possession making the debt removal necessary also. The fact remains this company is not following legal practices for credit reporting and should be audited for other consumers they may have affected. Sincerely, XXXX XXXX XXXX XXXX Please feel free to contact me regarding the investigation at either email, XXXXXXXXXXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate account and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue to call.

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 2016-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Most of my current open tradelines ( revolving and current auto loan ) are not reflecting current information as of XXXX 2016 and still reflecting last reported payment date as of XX/XX/2016 or prior. The other credit bureaus XXXX & XXXX are reflecting up to date balances, payment history etc but Equifax still has not reported this information. This is adversely affecting my credit and scores and current balances and payment history is not being reported. These accounts are open and current and even new credit line increases are not being updated as well. I have disputed this information many times with equifax this past year and still shows in dispute however its been way over 90 days with still no update with correct reporting information. I have made payments on this account all the way up to XXXX 2016 and still shows last payments made were on XX/XX/2016?? this is not correct whatsoever! Equifax needs to update this information to current date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX   XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Sir or Madam : I am a veteran, recently I relocated to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.

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 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a significant amount of student loan debt. Over the past few years I would call Navient for assistance regarding my account, how to effectively pay down debt, while at the same time still have money for all other necessities, bills, and various monthly payments. I am a XXXX, and combined my husband and I make a decent salary. Navient would come back with an exorbitant amount to pay. I would express there is no way we can afford $ XXXX a month and they would respond urging a deferment or forbearance, without discussing any other options or possibilities. Being that I was stuck between a rock and a hard place I would agree, and am now facing over {$100000.00} in student loan debt and it is terrifying. My husband and I work hard, and strive to maintain excellent credit. Navient is now affecting my credit rating. I call to discuss my situation and end up speaking with a representative who is typically very difficult to communicate with, and never offered any real solutions. Why is it that I ca n't say we can afford to pay {$300.00} a month and that be acceptable? Would n't they rather have something than nothing? It 's no wonder so many are defaulting-we are set up for failure. Any assistance or advice you may have would be greatly appreciated. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute Case Number CapitalOne : XXXX XXXX XXXX XXXX XXXX I have subscribed to a XXXX Marketing Managed Service for my XXXX XXXX XXXX XXXX XXXX XXXX worth {$2800.00} it was an initial 3 months contract, where they were supposed to manage my store starting from testing XXXX products a month to a lot of listed services. They failed to provide me the service and they continued the subscription for free for some time, however, I was paying for all the operational expenses thinking it will get sorted, however, they were lazy and lack of strategies and I was losing money. I reported to CapitalOne. I have provided them communications, subscription details as given on his websites, including a Second Opinion where it clearly indicated that XXXX XXXX XXXX is at fault. According to CapitalOne Dispute Team Member : XXXX ( ID : XXXX ) XXXX is not looking into my dispute seriously nor reviewing my case properly and CapitalOne is just a middleman here. For the past couple of months, I have been running back and forth, I also shared communication where the XXXX XXXX XXXX XXXX literally threatened me to block me and made me a laughing stock that they are winning the case. I even contacted XXXX even they are just throwing me back to CapitalOne. I need your help so that my supporting documents are reviewed properly and I want my money back. If the merchant was willing to negotiate and change the account manager I would have worked with them or even coordinated a proper refund I do not have any problem, but here neither CapitalOne/XXXX gave the effort to review all my documents. They have a standard list of documents that may not be available in all cases. I need your help here to address this matter as a customer. I appreciate totally that CapitalOne accepted my dispute beyond the 90 day period but after taking the case, they are not even reviewing my case, they use some kind of AI technology to review my dispute for sure, or else this case is very strong in terms of pieces of evidence and supporting documents I have shared. I have never missed a single payment I always paid on time to CapitalOne, even the amount I am claiming was fully paid. I would not have claimed it if XXXX XXXX XXXX would have worked diligently as per the subscription that was agreed.

Company response to consumer: Closed with monetary relief