BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an account that was closed some time ago and it 's still showing on my credit report as being an open account. This was a XXXX managed by XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I would like to have this account removed from my credit report.

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 2023-03-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have a cash app account and I get a call on my phone and then the caller ID is his cash up so I think it's cash up I'm told that my account has been hacked and they need me to verify some information and then they had me download something they asked me not to get back in my account for the weekend cuz I needed to monitor and go through everything so I didn't I get back in my account Monday and all my money is taken out and it's all going to XXXX guy like XXXX something transactions up to {$2000.00} and I tell cash up about it last Wednesday well today I follow up with them come to find out Monday when I called him to check on it they closed out the case out of retaliation because I told him that I was going to call you all because they weren't doing nothing for me and now I'm just out {$2000.00} and every time I call them they just hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX and Experian say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.

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 2016-03-02
Company: Delbert Services
State: DC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I entered into a loan agreement with Western Sky which handed off to XXXX. I have been paying almost {$300.00} a month for almost 2 full years. I owe now more than I originally borrowed. They take only $ XXXX- {$6.00} of my payment to the principal and apply {$290.00} to interest. I was in dire financial straits when the loan was first taken out. I am now just living on my Social Security. It has become quite a hardship for 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 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Was checking free credit report and there is an address from XXXX that I never lived at. I have been living at current address since 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 2023-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've contacted XXXX, XXXX, and Equifax multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 contacted Capital One on XX/XX/XXXX regarding a charge from XX/XX/XXXX on my card. The charge is from XXXX XXXX XXXX in XXXX Texas for {$90.00}. I did not make it charge and reported as such. capital one has now come back to me to say it was not fraud because they say my card was present at the transaction, I still asked for more information and they are unwilling to give it to me or give me a refund. I want to know the physical address where the purchase was made with an exact time of purchase. I do not see why capital one can not help me with this request but they refused - saying its not fraud because the card was present. I want a physical receipt with details. Did they even contact the merchant? Please help me get actual customer service. 
I live in California, not Texas, and did not leave my house that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've contacted Experian, XXXX, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached

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 2016-07-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX currently claims to be a servicer of a loan in my name on behalf of Wells Fargo. I have already received a letter from Wells Fargo that there is no such account. 

Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 

Specifically, I am disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor/note holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

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 2017-02-15
Company: KEYCORP
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XXXX XXXX, 2016 I informed XXXX XXXX XXXX, the loan servicer for Key Bank, that I was unable to repay my debt due to being on XXXX, that I was filing for Chapter XXXX Bankruptcy, and directed that collection calls cease until conclusion of the bankruptcy. I have since received approximately 20 calls that I can document from XXXX, a collection agency representing Keybank, and XXXX XXXX XXXX. I have had numerous discussions with XXXX representatives and at least 1 supervisor explaining the situation and each time have repeatedly directed that they cease calling. Their most recent call was today ( XXXX/XXXX/16 ) at XXXX XXXX. Given their repeated refusals to cease calling I am filing this complaint seeking your assistance to get them to call. Please note that, although received for school, this debt does not qualify as a Student Loan that is exempt from bankruptcy discharge because it was received for education from a non-Title XXXX school. I have informed XXXX of this fact several times via telephone. Consequently, Consequently concentrix is aware that the debt they are calling about is essentially a general consumer debt, not a student loan. Your assistance in stopping XXXX continual harassment would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities.

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 2023-03-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
a couple of days before XX/XX/2015, I rceived a phone call by someone asking me to pay a debt for an unrecognised source. I asked them to send me the information to my house and provided the home address. They said they will send it to the collection agency. I said I am ok with that since I have no idea what they were talking about. Today I received the letter and it is by ProCollect Incorporated in XXXX, Texas. I called the number they provided but one operator answers and forwarded me to no answer. The name of the creditor is XXXX XXXX XXXX. I never lived in these apartments. As I saw and reserached online that creditor I understood immediately that : 1 ) they contacted the wrong person or 2 ) it is a fraud I would like to stop this and I was forwarded to this site by the ftc customer service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TN
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, XXXXXXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to Privacy.

15 US V 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 2015-07-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for an XXXX XXXX credit card around XXXX. They sent me the card with a low limit because Experian said my credit score was XXXX XXXX XXXX has my score at XXXX ( EXCELLENT ). The paper work that XXXX XXXX sent me with the credit card said I could get a complete credit report from Experian without charge for 60 days after this date. I called the toll free # for Experian & went to their website. Each time they wanted a credit card number. This is not free. I contacted XXXX XXXX & they gave me their website which was supposed to have the credit report. NO RESULTS! 
What is the problem?? 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
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:
On XX/XX/2021 Trans Union admitted in writing that they made errors on my credit report, which resulted in the decline of my credit score, causing me to have to pay higher interest rates ; they in turn removed the errors. To date they have not paid the penalties that are governed by the FDCPA which state that there are civil and criminal consequences as a result of their actions. They have received the proof of their actions and my invoice for the violations which they committed against 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 2021-10-02
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This was not the same complaint. The day they received the first complaint, they added another XXXX, with that doubling the amount they defrauded me with. 
1st # XXXX XXXX # XXXX They made you believe they found the payment. Never took off the 2nd fraudulent XXXX. So I paid it, even tough I did not owe it. 

Today, 2 weeks later, they came back and added the 2nd XXXX dollars again. I paid my card off. I did not owed XXXX dollars. 
This is fraud and they still try to defraud 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 2016-01-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was planning on attending XXXX University for XXXX 2010. At the last minute, I decided not to and contacted XXXX XXXX to not dispurse the loan funds to the school and I never signed a promissory note. XXXX XXXX still sent the money to the school. I advised XXXX XXXX that this was never signed and they refuse to help. They never provided proof of this signing as well. XXXX XXXX continues to tell me to get XXXX to send the money back, but it is their responsbility. I did not attend this school and I asked them to send the money back but they refused. XXXX XXXX is billing me for this fraudulent loan and the late fees and interest have doubled the loan to about {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the FAIR CREDIT REPORTING ACT ... XXXX  ACCOUNT # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason

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