BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of 2022 ( call recorded ), I contacted Conns Inc. to inquire about how they were reporting information on my credit report. Specifically, I asked Conns if they would report the alleged debt they said I owed a collections agency if a payment was not made, and the collections agency said that they would. After speaking to an attorney, he advised that because this account was included in bankruptcy they violated the injunction placed on the debt at the time of bankruptcy, and therefore violated federal law. He encouraged me to submit a CFPB complaint and is ready to take further action in the event that the demands made in this complaint are not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not had access to my bank account for XXXX weeks. On XXXX, I attempted to log into my account from a new phone. My old phone was not working. The bank needed to text me a code to authenticate my account. But the screen is broken so I wasn't able to get the code. I then attempted to reset my password but was locked out. I called Ally bank which took an hour to speak to someone. She reset my password and started to provide me the temp password to log in but after the first letter, the call disconnected. I waited for around 10 minutes thinking she would call me back. She did not. So I called again and this time the wait was almost XXXX hours. I asked this new person to call me if the line disconnects since I've spent over XXXX hours just trying to reset my password. She then tells me that she is not able to and if I disconnect I need to call back. I asked for a supervisor but she was not able to get XXXX for over XXXX minutes. She then attempted to reset my password and I still couldn't log in. She then transferred me to tech support who said the issue was probably due to their nightly update but he could fix it. After XXXX : min he could not fix it. He stated he would open a trouble ticket and I would receive a call on Friday XXXX. No one has called. I attempted to call several times but could not wait the long hold time of over an hour. I called Saturday and reached some after XXXX min. He looked at my account and said I'm still locked out. He then acknowledges This is a known issue and there's nothing else that can be done. This makes no sense that a bank could lock me out of my account for XXXX weeks with no estimates on when this will be fixed. I have bills to pay and I can't keep spending several hours a day to wait on hold for someone to get this fixed.

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 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed without my permission and I have not received any correspondence from capital one regarding why my account was closed. I made on time payments and was still making payments to the account. I learned my account was closed when I tried to use it for a gas purchase after paying the bill and I was informed my account was closed when I called in. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance to the FRCA 15 USC 1681 everything has to be 100 % accurate. I request that this account be removed from XXXX Transunion and Fico reports, payment of a XXXX for every Inaccuracy Accounts Peoples credit Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX , DEPT OF EDUCATION/XXXX  XXXX , and DEPT OF EDUCATION/XXXX  XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$28000.00}

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 non-monetary relief
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I made a purchase on my Capital One Visa card totaling {$1000.00} on XX/XX/2020. 

I first became aware there was a problem with the transaction in XX/XX/2020. On that same day I notified Capital One via telephone and they reversed the charge ( cc statement attached ). 

A month later they rebilled me, and a letter followed after that stating they had investigated but decided to rebill. There was no explanation of what transpired between them and XXXX XXXX XXXX XXXX firm from whom the order was placed. 

I wrote them a letter via Priority Mail with tracking on XX/XX/2020 and sent records, receipts and stated my case. Capital One agreed again that there was an invalid transaction and credited my account a second time for {$1000.00}. The service was not as described as I never received the services I had ordered. The case was poorly handled by the law office and also poorly handled by Capital One. 

Now in XXXX, the charge mysteriously shows up again as a " transaction rebill '' for second time on or about XX/XX/XXXX. 

I am frustrated and have had enough of this disputed transaction which has gone on for 13 months by now. Any assistance you can provide would be greatly appreciated. 

Case details : The payment went to a law office, XXXX XXXX XXXX XXXX, practicing in California. 
The service was for submission of a Trademark application on my behalf, as they are patent attorneys. They gave me a questionnaire to fill out and I was requested to provide brand information along with any company logos for trademark application. 

I was told the application was submitted without incident and I waited for my application to be approved. I received notice from them in XXXX of 2020 ( email attached ) where they showed the response from US Patent and XXXXrademark Office. It became apparent the application was not approved because the law office failed to attach my logos and made a huge error of omission. 

There was no way the application was getting approved as just 2 regular English words without logos to provide uniqueness. Most likely it appears their lawyer or paralegal who submitted the application forgot or failed to attach the logos to my application when it was submitted. Their assertion is that I either never sent the logos or that I gave them permission to submit an application with no logos and this is false. 

I requested refund from them twice via email ( emails attached ). They denied any wrongdoing, claiming I had authorized them to submit without the logos. This is not true, as the logos are essential to my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Lending Club Corp
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear official, I exhausted every avenue with Lending Club Bank ( formerly XXXX XXXX ) to get my money into my personal account. I emailed and called more than 10 times and all I got are responses " we will escalate this '' or " it was forwarded '' but it was not resolved. People that were giving me run around are supervisor XXXX, XXXX, XXXX, XXXX, and many others. 

Briefly, my father wired me {>= $1,000,000} ( Eur XXXX ) on XX/XX/2021 ( XXXX  XXXX  from XXXX wired money via XXXX XXXX  in XXXX ) from XXXX that ended up in Lending Club Bank account at the XXXX, Lending club account number : XXXX. Lending CLub Bank uses XXXX as an intermediary bank for international transfers. At one point, Lending Club Bank, notified me how money is not there. When money was not returned and the initiator performed detailed investigation, it was confirmed that money was wired to Lending Club account at XXXX. In addition to that, XXXX officials found my money to be in the Lending Club Bank account. Since I lost all trust into Lending Club Bank, this money should have been re-routed to my final private account at XXXX ) - but it never ended there. The {$34000.00} is still sitting at your XXXX Lending CLub Bank account # XXXX. Lending Club Bank recently started to give new run around by telling me that no-one is responding at XXXX. After asking three times, Lending Club Bank never responded to me who at XXXX did they contact or is not responding. I believe I was patient enough and it seems that Lending Club Bank simply stole my money. As an example, in normal circumstances, once money is not delivered it would bounce back within a week, which did not happen. I even decided to close my account after realizing that I am given the run around, but even then money did not bounce. 

I have all the documentation and account numbers if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Student loans have verbiage stating payments begin XXXX  2025. There are no more payments due at all. NO MONEY IS DUE ON THESE LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Used online International wire transfer at Chase Bank to send {$3900.00} on XX/XX/2022. Sent online complaint on XX/XX/XXXX that money was not received, told they would look into XXXX XXXX they replied that busy but working on it. XX/XX/XXXX, they have tried to contact, recall but receiving bank not replying. I should call the bank. I did and they stated they did not receive the funds, and I need to go back to XXXX. I contacted chase and asked them to provide proof of delivery thru XXXX XXXX. At this point, I was told if I want to talk to a person I would have to go to local bank for help as I was not a business customer, so i went to my local bank in XXXXXXXX XXXX  They filed and executive complaint and a person would get back to me. I have received XXXX call backs from this department after going back to the local bank and complaining I did not get a call back. The calls stated they were looking into it but too busy to find out or identify the problem. I again asked for proof of delivery so I could complain to receiving bank but they implied this was proprietary info and not for customer? It is XX/XX/XXXX, they have had my money since XX/XX/XXXX, it has not reached the intended account or bank ( from receiving bank ) and XXXX has provided no information on where the money is? or what I can do to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, 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 XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$430.00}.

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 non-monetary relief
Consumer complaint received 2022-06-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On approximately XX/XX/XXXX, I requested a repayment of all the student loan payments that I had made during the COVID-19 forbearance - roughly between XX/XX/XXXX and XX/XX/XXXX. The payments total approximately {$6800.00}. As per protocol, I made the request to my then servicer FedLoan Servicing. My loans had just gone through a series of changes in servicer. I had most recently been transferred to FedLoan Servicing from XXXX XXXX, however, the payments in question had been made to XXXX XXXX XXXX. I was told that FedLoan Servicing would have to request information from the previous servicer and this would cause some delay but that it should take no more than 90 days. 

On XX/XX/XXXX, I called FedLoan for an update. I was told that the refund request had been placed on hold on XX/XX/XXXX pending outreach to the servicer. I again clarified that all such queries must be made to XXXX XXXX XXXX as XXXX had only had my loans for a couple of months and no payments were made through them. The FedLoan representative could not tell with the information query had been sent or when the hold would be removed. I was told that the new timeline was 150 days. 

The wait has now extended beyond 150 days. I've sent another query to FedLoan Servicing but have not yet received a response. 

Thank you for any assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked XXXX XXXX this morning and it shows that my score went down XXXX POINTS - the reasons why : " Collection Removed '' and " First Premier Balance Decreased. '' THESE ARE POSITIVE OCCURRENCES. I CALLED EQUIFAX AND THEIR FOREIGN CALL CENTER ADVISED I CALL A CREDIT COUNSELOR TO FIND OUT WHY MY SCORE DECREASED XXXX POINTS. 

THIS MUST BE CORRECTED IMMEDIATELY. MY SCORE SHOULD BE IN THE HIGH XXXX IF NOT XXXX!!! FOR SOME REASON THESE BUREAUS WANT TO KEEP CONSUMERS CREDIT SCORES LOW TO CAUSE HIGHER INTEREST RATES. IT'S A WIN-WIN SYSTEM FOR THE CREDIT SYSTEM AND A NOTHING BUT BS SYSTEM FOR THE CONSUMERS. 

I SUGGEST A CLASS ACTION LAWSUIT BE BROUGHT ON TO DESTROY THE STRUCTURE OF THE CURRENT CREDIT BUREAUS AND CREATE THEM WITH INTEGRITY AND CONSUMER PROTECTION IN MIND AND NOT CONSUMER DEFAMATION OF CHARACTER BY CREDIT SCORE. MANY PEOPLE HAVE THIS ISSUE WITH THEM, NOT JUST ME. 

I WANT THIS CORRECTED ON MY REPORTS IMMEDIATELY AND FEEL THAT ANYONE THAT EXPERIENCES THIS NONSENSE BE ISSUED AN APOLOGY LETTER ALONG WITH FINANCIAL COMPENSATION FOR THE WASTE OF TIME AND MONEY THAT THESE BUREAUS CAUSE OUR LIVES. 

THE SYSTEM IS RIGGED AND MUST CHANGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Grain Technology, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For the past 3 months, I have attempted to log in to my account and couldnt. I could not make payments on time and by not being able to do so affected my credit in a negative way. I have reached out to this company by email on several occasions to fix the app issue, and nothing has been resolved. I do not have access to my available credit or to the account to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NJ
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, everything has to be 100 % accurate on my credit report. I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by XXXX. Account : XXXX XXXX XXXX Account # XXXX. The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 an account without my written instruction.

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