BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Investigation took more than 30 days

Complaint:
I disputed inaccurate reporting by XXXX Student Loan on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX Student Loan has sold the debt numerous times and at the same time continued to report the debt under XXXX Student Loan SLC. I contacted the company XXXX Student Loan is using called XXXX XXXX XXXX in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX Loans. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX Student Loan and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX Student Loan has that showed I did not pay these loans in full. I received a letter from XXXX XXXX XXXX stating that XXXX Student Loan investigation response is that I still owe the loan amount and XXXX XXXX XXXX would continue to report on my credit the amount outstanding under XXXX Student Loan name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX Student Loan has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX Student Loans on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX Student Loan has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX Student Loan and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX Student Loan and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX Student Loan I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX Student Loan and its Creditors is something they have yet to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CREDENCE RESOURCE MANAGEMENT has refused to remove a {$360.00} collection on behalf of XXXX XXXX for alleged unreturned equipment which HAS in fact been returned to XXXX XXXX. XXXX XXXX gave instructions to take the equipment to XXXX which I did and received an RMA from XXXX XXXX XXXX XXXX on XX/XX/2019. The RMA was XXXX. CREDENCE RESOURCE MANAGEMENT has been provided with that information but is ILLEGALLY REFUSING to remove the collection. 

This HAS been disputed with XXXX and XXXX and CREDENCE lied to both of the Credit Reporting Services stating it is still accurate ( and disputing my return of the equipment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX  and another XXXX XXXX all are reporting this debt on 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 2023-03-10
Company: EQUIFAX, INC.
State: SC
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 is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: CA
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:
With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX and another XXXX XXXX all are reporting this debt on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a XXXX limit on my credit card, for which i never missed or was late on payments. I base my spending on these limits as do most normal people. As soon as I made a large payment of XXXX, they cut my credit limit and will not let me use that amount. They stole it from me. I never would have made a payment that big if I knew that they would cut my credit limit. This affects not just spending, it affects my credit scores dramatically. it's not right. they blame it on XXXX  which is not true. It's because I made a large payment and they saw an opportunity to screw me. All I want is them to honor the credit limit I had before they did this to me. It's outright theft of my credit. They cut my limit by XXXX the days after this payment was made. it's got to be illegal I want to sue them.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email and a voicemail from XXXX XXXX letting me know that there was a credit inquiry associated with Capital One. I called Capital One, and the representative confirmed that someone tried to open a credit card in my name, and that they would look into the problem. Please note that someone tried to open a credit card in my name at Capital One last year as well, also in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XXXX of 2019 I have been trying to request the information regarding debt that is appearing from several companies collector 's ... All stating that XXXX/XXXX  is the original debt and amount was XXXX I do have XXXX by XXXX  but my account is current and both mine and my wifes phone are paid in full so I requested info from original creditor no response then no response from other companies besides it reappeared on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the day of XX/XX/2020 i sent an amount of {$300.00} dollars to XXXX XXXX he took the money then sent over the goods. but 2 days later he took it back so i can't access it. He Scammed me.Now i lost my money and the digital goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-01-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Synchrony bank harassing calls daily threatening 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 non-monetary relief
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft

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 2020-01-18
Company: Mercedes Benz Financial Services
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Mercedes has intermittingly refused to take credit card or bank checking acct payments over the phone, without forwarding to a 3rd party ( XXXX XXXX ) for routine, bi-annual tax bills on a leased vehicle. When this occurs, a large cash advance fee is charged by the card because of the way it's submitted. Large Checking acct fees are usually charged by Mercedes but they're sometimes waived depending on the rep. The bills state what this may be allowed under State law but they won't say what law. This issue has been reoccurring for many yrs. Now they simple refuse to tell me what law they're referring. When I've pd by check, they often confuse this pymt with my regular monthly auto debit pymt for my lease. This is frustrating. You've tried to help back in 2016, now they're starting again. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Problem with personal statement of dispute

Complaint:
Due to the national pandemic, creditors were NOT reporting late payments to the credit beuru. Capital One Bank put me on a COVID monthly plan and were NOT suppose to report it since I was making the COVID payments we agreed. In fact they I was told that they were not reporting it if I do make payments or not while being approved for a COVID plan. I find it extremely unfair that they reported me during unprecedented times. Not one of my other credit card companies did this. I believe Capital One should be fair and remove the late payments during the beginning of the out break. Please try to see what you can do, we are all suffering enough and for them to do that, is really disheartening. 

Thank you, Stay healthy XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018. I opened American Express credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-10-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found numerous fraudulent accounts under my name showing on my credit reports. AWA Collections did not take my identity theft reports seriously and kept reporting false information and harming my history and also being abusive. I gave them a call and the employee was extremely rude and never tried to help. This company is avoiding legal documents such as Identity Theft report and/or Police Report and making my way of recovery even harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXXXXXXXXXX(ORIGINALCREDITOR:XXXXXXXXXXXX)

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 2021-04-21
Company: Experian Information Solutions Inc.
State: CO
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:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2023-03-10
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My wife XXXX XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX have received a promotion in the mail ( see exhibit 1 ) and email ( exhibit # 2 ). The promotion was continent upon opening a new Citi Miles Ahead Savings Account and depositing {$200000.00}, whereas we would receive XXXX AAdvantage miles and appropriate interest as advertised if deposit the funds within 30 days of account opening and maintain the funds there for 60 days. 
We called on the phone and created an account ( ending with # XXXX XXXX. Based on welcome packet we received, the effective opening date of that account was XX/XX/XXXX. As per terms of the promotion, we have deposited the required funds into the account within 30 days XXXX our check was deposited XX/XX/XXXX ). Without our authorization, Citi created an identical Miles Ahead Savings Account XXXX ending in XXXX XXXX on XX/XX/XXXX. Then Citi moved the deposit into this other identical Miles head Account XXXX XXXX XXXX on XX/XX/XXXX. Because it was moved out of the first one before staying in there for the 60 days needed to earn this promotion and it was moved into the 2nd one after the 30 days ( too late to qualify for promotion on this one ), I became ineligible for promotion on either one.

I think this is a malicious effort by Citi to get out of paying the promotion. And nobody can still explain to me why the 2nd account was opened and why money moved into that account. I have made considerable effort to reach out to Citi to address this problem, but to no avail. I am attaching exhibit # 3 and # 4 to show their responses. I have all detailed statements and communication from Citi to show how this happened and can provide upon request.

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 2021-03-23
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received XXXX into my Cashapp account onXX/XX/2021, I set {$1500.00} to be transferred into my account ending XXXX, and their program said I would receive it on Tuesday XX/XX/2021. On Monday the XXXX I was checking the status and it showed my money was sent to a card ending XXXX on XX/XX/21 at XXXX XXXX ET. I immediately sent a message to Cashapp support, because they do not answer any telephone calls. From their reply email, they said the account was compromised and they closed the account and told me to open a different account and that I should talk to the bank to recall the funds, however the bank said it was too late, it was sent to the correct account, therefore the Cashapp company is responsible for my loss, and it has been reported to the Minnesota Attorney General 's office and the XXXX XXXX XXXX. Where their reply was it was not there fault and tried to place the blame else ware.

Company response to consumer: Closed with explanation