BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank waits to " run " my direct deposit a few hours after they process withdrawals on my account. Are n't banks supposed to do all deposits first, then work on the withdrawals?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
many telephone calls from some guy calling himself XXXX XXXX at XXXX extension XXXX. He said he 's collecting for XXXX and I told him I had never had an account with XXXX and do not have an account with XXXX and he threatened me. Said if I did not give him personal information that he would just keep trying to get payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This loan is constantly being sold to different companies. It has messed up my credit file on several occasions and I was never helped with finding employment through my schools services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion is reporting XXXX incorrectly, the account is closed and paid they are reporting the account open with a {$0.00} balance late $ 30 days, I just pulled my updated report from XXXX. XXXX and XXXX is reporting correctly Paid {$0.00} balance pay status current, I have gone back and forth with TransUnion and XXXX this account has been paid since XXXX 2016 and XXXX was still reporting when they should n't have because they turned the account over to XXXX and 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 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute in writing to TransUnion on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, TransUnion DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

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 2022-02-18
Company: Paypal Holdings, Inc
State: AP
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022, I sent a friend {$1000.00} using PayPal. PayPal decided it was suspicious activity and put a freeze on my friend 's account. 

I asked my friend to refund the money and I would try a wire transfer through my bank instead. 

My friend was unable to initiate a refund. When PayPal puts a freeze on an account they take away the option to refund a payment. 

They asked my friend to provide several documents to prove legitimacy and decided they did not like what was provided and permanently closed my friend 's account on XX/XX/2022. 

Instead of sending the {$1000.00} back to me as the originator, PayPal has simply kept the money. 

I have called several times and only gotten automatic voice messages without ever reaching an actual person. 

I have left them messages and their response was my friend must provide the documentation to clear their account. They refused to initiate a refund and said that was not possible. 

They literally have {$1000.00} of my money that never reached the intended recipient and instead of returning it to me, the sender, they are keeping it. I don't know how this is even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation please help me just the them removed.the company is transunion and 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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX  which I am not located in their systems. I have contacts transunion several times with these issues and nothing has yet to be done. I have also asked transunion for written proof of verification and was told they do n't have any. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquires Transunion XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016   XXXX XX/XX/2016

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 2022-02-18
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 we received a letter from the investment firm of Charles Schwab that we had opened account with them, which we had not. We called immediately to report this to them. They took the information and directed me to their fraud department. That department is completely unwilling to tell us anything other than " no credit check is required to open these accounts so your credit freezes would not apply '' and that " once this account is open then there will be access to open bank accounts and lines of credit without a credit check ''. We then received a letter from Schwab confirming that the address had been changed from our address to the new, requested one. I again called Schwab fraud department & they refused to give me any information. They did tell me that we " would get no further correspondence from them since the address had been changed, they will conduct 'their own investigation as to IF this is a fraudulent account & they we will NOT receive notice if the account has been shut down or closed ''. We have an open police case & gave them all of this information. The detective on the case personally called & they refused to provide him the information they have, including the address that the account had been change into. Without the info Schwab has, there is not much more the detective can do. I do not see how this is ethical or legal that Schwab can withhold this information from us, the victims, and from legal authorities. We have no idea if this account is open & active or not 2 months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I had recieved a copy of a background check from a prospective employer, and it had wrong info on it, so I looked up the XXXX credit agencies online to get my free report from each XXXX. Transunion had the advertisement of XXXX a full report free online, i clicked on it and it didnt give me the free info, said that it was a {$1.00} to get the full report and to be able to continue to check my credit with them. So i entered my debit card info, but three months later, I was check my bank ststements for a bill charge I had paid, to see if it went thru, and noticed i had been charged by transunion 4diff times, over three months, and that I had incrued overdraft charges on my account the same days, due to not being aware that they were actually charging me for the " {$1.00} '' service. I went online to complain that i never signed up for anything other than their XXXX {$1.00} program, so i could check my history, there wasnt a way to do it online, i had to call, and the guy i spoke to said i had enrolled in a program to have acess to my credit info with them all the time, i said no, it was the program for a {$1.00}, and that they had charges me {$16.00} for the past three months and that i got overdraft charges on my bank account because of them. He stated they had nothing to do with that that i would have to talk to my bank. I said that they needed to refund the charges to me, and he said he could not, i said i wished to cancel, and he started saying all this stuff about how their program was vital to make sure i didnt get identity theft and to make sure it was 100 % accurate, i said i just wanted to cancel, he had me on the phone for about XXXX telling me all the " great and wonderful '' aspects of their program. Finally, he transferred me so i could cancel the program. I spent about 1 1/2 hours on the phone, disputing the charges and trying to cancel. After I got off the phone I called my bank, and told them that transunion was only supose to have only charged me for {$1.00}. My bank refunded the first {$16.00} charge. But i had already paid the overdraft fees, so I left it at that. But, seeing the info on your site, I figured I would put in a complaint, because it really wasnt clear that they were enrolling me in another program, and that they would be able to charge my bank account for other amounts than what i had authorized. And i think that they should pay people back for the overdraft charges if the charges were incrured because people werent aware of the additional fees they charged.

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 2022-02-18
Company: Mobiloans, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was called on XX/XX/XXXX by a woman named XXXX XXXX, left a voicemail not identifying what agency she was working for talking about suing me and filing an order of location for me and saying she is calling my work and would attempt to locate me there. My employer called me after to notify me they received a similar message. I called the company back at the number listed and was transferred to the legal department for XXXX XXXX or XXXX XXXX XXXX. They mentioned a debt owed to a payday lender and after the call I checked they did not provide a legit date for when this became delinquent, saying XXXX, which is not accurate. They also never notified me of anything prelegal or within last 2 months stating the sent an email in XX/XX/XXXX, I did not receive any written notification. They call call proceeded poorly as the woman accused me of bank fraud and saying my case wouldnt be civil but criminal due to bad checks, I asked what would be required and stated I couldnt pay today even if I could I shouldnt as I was never notified. I proposed a settlement agreement and was placed on hold and she said my agreement would be fine if I paid today via phone for the 1st amount, I told her I couldnt pay until XXXX and offered 1 time good faith payment of lesser amount today, she declined and became very agitated raising her voice and telling me to borrow money from family to pay today or I would be served at work. I stated that wouldnt be necessary for a civil money claim and she continued to speak about criminal charges regarding this payday loan debt. Ultimately the agent hung up on me and would not accept my offer for lesser payment today. I called the payday loan company afterwards who verified they sold the debt to XXXX and that unfortunately I could not pay them directly. The collection agency rep said it was too late to request notification in writing now, although I told her I never was notified. I attempted to email after this call and am awaiting response.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18
Company: MOHELA
State: OH
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:
XXXX claimed to have high rates of being placed in job after and lied it was a much lower number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on XX/XX/XXXX I requested trans union to correct the following account-XXXX-account number-XXXX, status and remove the incorrect remarks, the correct status-paid/closed, the remarks was totally wrong, no other company paid for this account, I paid it in full XX/XX/XXXX.when it was charged off.my XXXX form showed that.the reply back XX/XX/XXXX file number XXXX has the same information on it.All I want is a correct credit report, from this credit reporting company

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 2022-02-18
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have tried to contact affirm about transaction purchase ID is XXXX.nobody wants to call me back the shop I used didnt flash my XXXX damaged a brand new XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Core Advisory Group, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were served foreclosure papers and decided to call the XXXX from Core Advisory 's mail advertisement. The advertisement looked very promising as it states our new payment would be reduced down to a 2 % rate. The advertisement also stated that I am eligible to be a plaintiff to sue my lender so when I called, the conversation I had with XXXX XXXX was did not align with what the advertisement states however I was presented with another option to file complaint against my lender and XXXX informed me that will force my lender to negotiate better loan modification terms. After I paid them upfront {$2200.00} and additional {$120.00} separately to use their notary service, I got an interview with a gentlemen name XXXX XXXX he put together XXXX complaint letters to be sent off to my lender XXXX, US XXXX and my XXXX however after reading the complaint that was put together on my behalf was fabricated or inconsistent to what actually happened. I was better off writing this myself and felt if that was the case, why am I paying these guys over {$2200.00} just to write me XXXX XXXX half page complaints that is n't even factual? Another concern I have with this company is that they sent me a loan modification package and asked me to complete and as well as pay them another {$1800.00} to get the modification application submitted. This is illegal and violates not only the Wisconsin consumer protection act but also the FTC ( XXXX ) rules. I feel this company has taken advantage of me and I would like for them to return my money back as they failed to help me with my mortgage and securing me a loan modification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX TransUnion Consumer Solutions, XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX {$290.00} XXXX - {$290.00} XXXX CHARGE OFF XXXX/TU XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX CHARGE OFF XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX and XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have a loan with CAP1/XXXX XXXX. I have always made my payments on time. For some reason, I realized that this account is still being reported on my account by the Credit Bureaus. I've already pad this account. As you can see, there's no balance on this account and the status is already paid. Also, the payment history of this account is inaccurate. I've already send requests to remove this account but after 30 Days, I didn't receive any response or changes. Please investigate this matter. Otherwise, remove this account for legal accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: National Enterprise Systems, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.

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 2022-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize to nor benefit from the following account ( XXXX ). XXXX and Remove

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 2022-02-18
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:
Ive sent in a dispute letter with my facts and law in regards to the inaccuracies and violations contained on my consumer report well over 45 days ago, and Ive yet to receive any investigation results back from the XXXX reporting agencies, XXXX XXXX, Equifax, and XXXX. The law clearly states, failure to investigate and get me back my results within 30 days, give reason to immediately deleted those items that shouldnt be reporting on my report. I feel like Im being taken advantage of and would like for the reporting agencies to delete these accounts immediately so I can continue to move froward and provide for my family. Thank you in advance.

Company response to consumer: Closed with explanation