BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX has taken these actions on my credit report after I filed for a complaint. They reported late payment on the disputed Charged off Closed account as vindictive act without responding as I have filed a complaint with FCRA and provided a copy of all mistakes they have reported on my credit report and according to the rules and laws their reporting has to be 100 % accurate the dates are not accurate the type of loan reported not accurate the The balance and the amounts are not accurate as they received from the Gap insurance their money and reported XXXX balance to XXXX took tax credit by their reporting fraudulently without claiming the money they received to continue receive Tax credit with Charged off now you want to claim late payment on Closed account? REALLY? I will sue you all for slandering my credit You are to remove and delete your slander immediately. 
There is a complaint filed with the XXXX and this account has been disputed You reported that I have never disputed your fraude and your bullying is only good for a good court case! and this should go public so everyone else who you are bullying should know about your corruption! 
I have attached their late payment XXXX late payment on closed account that is false!!!! they you go another false statement. 100 % accuracy which you failed cause a liar can't tell truth! 

See attached evidence for false reporting which is grounds to for immediate deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Glasser and Glasser , PLC XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with XXXX XXXX. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do XXXX  XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware XXXX XXXX  has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and XXXX XXXX  for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a XXXX XXXX out of state if this case is not dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. I OWE NOTHING TO XXXX XXXX OR ANY OTHER AFFILIATES ASSOCIATED WITH XXXX, UPON TRYING TO GET RESOLVED WITH XXXX, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO XXXX NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I entered into a XXXX XXXX XXXX XXXX XXXX loan as a co-signer with my wife at the time when we were only XXXX XXXX XXXX in the year XXXX. We XXXX XXXX XXXX XXXXater in XXXX under very negative circumstances and have had nearly XXXX connection over the past XXXX years. Our XXXX decree stipulated that my ex wife was responsible for the XXXX joint loan as the vast majority came from her schooling and not mine. However, she stopped making payments a couple years later after filing for bankruptcy. Now my XXXX XXXX is devastated by this and I'm forced to make payments on her behalf. 

XXXX was unwilling to help connect me with my ex in order to share information. XXXX also stated that I am not eligible for a loan separation. I have had years of agony trying to ask for help on this topic and feel betrayed by the system that allowed a XXXX XXXX XXXX XXXX XXXX loan to happen in the first place. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
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:
XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX 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 2018-11-30
Company: Paypal Holdings, Inc
State: IL
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 created a PayPal account because I needed to sell tickets to an event I could no longer attend. I created the account very easily able to link my debit card to PayPal. When I tried to link my bank account I experienced numerous issues and had to call PayPal ( waited 45 mins on the phone ) for them to have someone link the account for me. 

When the money was transferred into PayPal when I sold the tickets I tried to transfer the money to my bank account. I received an error message saying they could not verify it was me. I then tried using the PayPal app on my phone.. .again, same issue. 

They purposefully make it difficult to transfer money to your bank account to avoid the 1 % fee they charge if you transfer to your debit card. You then have to call the XXXX number and wait on the phone for 45 mins ( at least ) to speak to someone to have them transfer the money to your account. 

This is a terrible company and one that I would suggest get flagged by regulators. All one needs to do is type in " PayPal Reviews '' in XXXX to see the frustration we all experience. If I had another option on XXXX I would utilize that option but they do not give you another option aside from PayPal. 

They purposefully want you to keep money in the PayPal account so that you buy and sell goods using that account. I am beyond frustrated with them and again point you to numerous complaints on the internet to learn what we all know - they should not be in business... I'll even give you the link : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While shopping for new appliances on XX/XX/XXXX at sears.com I was offered 10 % or up to 18 months interest free if I applied for and used a Sears store card. I used the provided apply and use now " button ''. I completed the application process and was given a credit line of XXXX by Citi bank After doing so it asked me for the full account number, expiration and security code. None of witch were provided to me. I attempted to log into the credit card site it wanted the full account info, expiration and security code to proceed. 

I called Citi bank. They told me I would have to wait for the physical card to make a online purchase. I explained to them that I was offered a discount and applied to use the card now. They informed me that I had to wait for the physical card. I could use the account only in stores by having the cashier look up my account with my social security number. I asked to speak to a manager and was placed on hold and after 10 min was either hung up on or got disconnected. 

I called back and was told by this person that Sears online would have to deal with this and was transferred over to them..The person I talked to immediately transferred me back to Citi bank. I explained the situation to this poor rep and asked to be transferred back to Sears online customer  service and was hung up on or disconnected. 

I then called Sears Online and explained the situation to the rep and asked for a supervisor. The reason I gave was that I was offered 10 % or no interest for applying and using a Sears card. That I had been informed that I would not be able to use the account without the physical card. I wanted to know if I purchased the items would they be willing to give me a 10 % discount or would they be able to reverse the transaction and put it on the account when I did get the card. I was asked to hold, after 20 min I got a automated message in Spanish ( which I don't speak ) and hung up on. 

I then called Citi bank again I told the rep that I wanted the account closed and it reported that it was opened under fraudulent circumstances. I explained to the rep that I was offed a substantial financial incentive to open the account. A incentive that was not honored. The rep stated that I willingly opened the account so it was not fraudulent and that it was not Citi bank 's responsibility that the terms were not honored. They then closed the account, told me to have a nice day and hung up. 

All this took 4 hours of my day. I did order my items off Sears.com with  my debit card. 
Citi bank now has my complete info with wages etc.and I took a hit to my credit score. No parties feel obligated to honor the original promotion that started this mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have no knowledge of this debt

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 2022-09-30
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and this collection account below. Nor is the account number you claim I have with you familiar in the least. You provided me with no information as to the nature of this account, any documentation that any such account exists. Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. 


Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax sent me confirmation # XXXX about my account with XXXX XXXX XXXX stating that the creditor is currently reporting a XXXX balance for the said account ( Account Number #  XXXX ). Upon researching the paperwork that Equifax sent to me the account number XXXX still shows a balance of XXXX. This is against the FCRA and against the Law and its disturbing to know that Equifax does not handle their paperwork correctly. If this is n't corrected like its suppose to be as stated by Equifax I will take measures to take them to court. This is unexceptionable and its ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been contacting Hyundai since I got my car they said 2payments were late and they wasnt : now my car is payed off but it shows Im late and its still open. When I called this last time a girl on the phone said she had been there over a year and there was nothing I could do to fix the problem. So I hung up. Every time I call they say they will fix it but nothing is being done.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a XXXX  and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to first XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. XXXX XXXX is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. XXXX XXXX has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a XXXX  and my credit report is taking a huge hit because of XXXX XXXX shady dealings. The next step in this process is to hire an attorney.

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 2018-11-30
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with Discover Bank. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do travel XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware Discover Bank has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and Discover Bank for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a travel nurse out of state if this case is not dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attachments. XXXX  Counselors is violating my consumer and privacy rights, the FDCPA and the FCRA. XXXX Counselors has committed fraud by purchasing, obtaining, using and trafficking to third parties my nonpublic personal information to coerce payment from a debt i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FCO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

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 2022-08-24
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My wife and I refinanced our auto with XXXX XXXX XXXX in XX/XX/2022. The check was sent out and endorsed by Goldman Sachs, the lien holder of the loan, and deposited into XXXX XXXX, in XXXX XXXX, XXXX. The amount was {$23000.00}. However the loan was not paid off! My wife has filed complaints with the XXXX and Attorney General. She has spoken to a complaint resolution specialist at XXXX who claimed that Goldman Sachs has found the money and that they will be contacting us. Nothing has happened with that. XXXX XXXX XXXX says that their lawyers are also working on it. XXXX has told us to continue paying Goldman Sachs until this is cleared up. We desperately need to know where this money has gone. I dont even have a good phone number to call Goldman Sachs and the specialist at XXXX that spoke to my wife has not returned any of her calls. The address of XXXX executive office is in New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion continues to violate my rights under the FCRA Section 1681 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). TransUnion has provided false information to the CFPB and myself as to an investigation into the account listed below, on three different occasions, and they continue to violate my rights under the FCRA. I DEMAND THE FOLLOWING ACCOUNT BE DELETED IMMEDIATELY : XXXX BANKRUPTCY/ DOCKET NUMBER XXXX or I will hold TransUnion liable for up to {$1000.00} per 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 2021-05-18
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 recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

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