BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Both Equifax and XXXX are not providing a credit report on XXXX XXXX  's response is : " We're sorry A condition exists that prevents XXXX from being able to accept your request at this time. 
To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXXt Request form. '' Equifax 's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an Equifax Free XXXX XXXX XXXX   over the Internet. 
Request by Mail To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX Request Service XXXX  XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was at home when I got a call from the number on the back of my debit card, it was the same exact number. I assumed it was my bank, Citi Bank. The man on the phone said he worked for the bank and was calling to tell me about fraud purchases that were happening in that moment. He also offered to send me a new debit card, in which he knew my home address. He then asked for my personal banking info and used it to buy things on my account. The bank did send confirmation texts to make sure it was me. The man on the phone told me to say yes to those confirmation texts and assuming that this was the bank I said yes to all of them except the first one. After discovering that this was a scam, I filed a dispute with my bank. My bank claimed they were not able to reimburse me because I had my card in my possession, I gave the man my banking info, and the activity was consistent with my banking activities. The man took {$2000.00} from my account and left me with very little money for school.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXX XXXX  XXXX XXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without 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 non-monetary relief
Consumer complaint received 2022-07-31
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, Account # 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 explanation
Consumer complaint received 2017-09-25
Company: Financial Credit Service, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AL
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 ( Account, XXXX XXXX Account # 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 2022-12-09
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi on XXXX at XXXX XXXX  i made an instant transfer of {$3000.00} from my cashapp  account to my debit card which is issued from XXXX  and its been 2 days and the money is not either on my account with XXXX  or my cashapp  account. I tried to resolve with both of the companies and none of them is helping at all. I spoke with both, cashapp and XXXX  and nothing is being resolved. They have some rude costumer service including managers. I have emails and recording of the conversation which they all giving me the same answer over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Trident Asset Management, L.L.C.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about XXXX XXXX crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 2022-07-31
Company: CBC Companies, Inc.
State: GA
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 have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2019 my husband and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with XXXX XXXX  for {$13000.00}. We are disputing that with XXXX now. XXXX said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person.  The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is bank XXXX but the money transfer was to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Sallie Mae has lied about they way my payments were allocated. I was told that forbearance is what I needed instead of a income driven plan. 

Several of my income driven plans were denied and sallie Mae gave me false information in reference to payment plans. 

Numerous payment were made and never applied to my loan. 

I have made several calls in reference to payment history and was told the information was not available. 

I am currently on a loan forgiveness program going back to XX/XX/2007, I believe I have made the 120 payments. 

Sallie Mae has sold my loans to navient and then to XXXX XXXX, I believe the interest and fees were falsely added to my loans. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TOP FLITE FINANCIAL INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I got text from XXXX from top flite. I was interested in refinancing my home with cash out. I never provided with my SS # but my credit was ran without my consent. I have them to removed the request but they refused. I received a call from their compliance office who told my SS # number was sold to them XXXX XXXX who I never did business with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
capitol one bank suddenly decided to close all 3 credit cards i had with them no reason given, fair enough if they dont want to do bussiness with me that thier right even if they wont explain why but they are holding approximately XXXX points worth at least {$700.00} or more without any reason and will not release them despite me asking many times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-19
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
SLS.net can not provide a missing payment date for years. Was told to go back to old servicer to see when I missed payment. XXXX said no longer a customer, SLS rsponsiblity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: HW Holding, 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: Information belongs to someone else

Complaint:
I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company. 

XXXX XXXX XXXX XXXX XX/XX/2019 {$530.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company.Please help me get this debt collector to investigate this account : TRANSWORLD SYSTEM INCXXXX XXXX XXXX XX/XX/2015 {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX   XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}

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 2020-01-19
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a medical debt in my credit report. I received a phone call from a collector ( paramount ) several months ago. I asked what the debt was in reference told. I was told it was in reference to a XXXX center in XXXX, Tx and was given a date a couple of years prior in the month of XX/XX/XXXX. I was told it was an anesthesia debt. 
I did not have any procedure at that office that would involve anesthesia. I immediately called the XXXX XXXX in XXXX Tx ( XXXX XXXX, who is my XXXX ) to check for any outstanding debts. I spoke with a billing clerk who located the last date I visited. It was confirmed that no outstanding balance that was owed. 
Paramount called back a few days later and I informed them of the information above. I did not hear anything further from them. I noticed my credit score drop, checked and found that this debt was on my report. 
It is not a valid debt, it is not a procedure that I had, furthermore, the office confirmed I did not owe, nor had they submitted any debt owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Information belongs to someone else

Complaint:
I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$530.00}

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 2020-01-18
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: Was not notified of investigation status or results

Complaint:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, XXXX, and Equifax. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Was not notified of investigation status or results

Complaint:
8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, Transunion, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.

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