BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
XX/XX/2019 Ive received an email Stating there was a change to my credit file and go online to XXXX XXXX there I noticed my credit score dropped XXXX points and they left a negative remark on my file that I have no knowledge of. Ive been pay on time and even lowered my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: Advance America, Cash Advance Centers, Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  and XXXX ( XXXX XXXX ), XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. 

My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and XXXX XXXX account that made payments on these alleged accounts was opened and funded fraudulently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Do to the fact I changed my email COMPRIMISED may be much confusing to CFPB but needs to be addressed in reguards to my exsisting complaint # XXXX I wanted to add XXXX not only did a switch and bait advertising tactic I clearly have a snap shot 1 # stating by creating and reestabilish a credit Card CREDIT LIMIT XXXX XXXXthey lied only XXXX line of credit # 2 XXXX statred would not pull inquirys or pull a report because I am a exsisting customer ' they lied the pulled 2 Inquirys HARD INQUIRYS back to back poroving they are in bed to damage and refrain from me obtaing offers

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 2019-08-06
Company: Nelnet, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: TX
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:
I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
As of XXXX 2017 I started getting calls from a " debt collector '' called XXXX XXXX XXXX XXXX. I looked them up and saw repeated reviews of them being a scam and being very abusive. Since XX/XX/XXXX I must have blocked about 10 phone numbers because they would call me over 10 times a day. I got another phone with a new number. I can still check my old phone messages and still see that they are continuing to harass me. They are not my original creditor. My original creditor said they could not work with me on my monthly payments which would be over {$650.00} a month. I am stuck. After taxes, rent, healthcare, chip support, and utility bills I only have {$10.00} to live on while supporting my wife and XXXX XXXX. This XXXX XXXX XXXX is being abusive and like stalkers. They have sent me a letter threatening to sue me and garnish up to 15 % of my wages. I do n't know if they are legit and I do n't want to give them any info whatsoever until I know and from what I have found out they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please help me. I have tried for over 6 months to get a modification with Ditech and was finally told they had everything they needed two days later I got a denial letter stating they were n't approving my modification because my hardship was n't temporary. Sir I had a hardship last year that is now resolved and i have the ability to maintain this mortgage. I have the past due funds for ditech and they agreed few months back to take them but started foreclosure and now there are attorney fees. I have had to hire an attorney now myself and this money could be applied to my mortgage, I have a very small past due amount at this time with ditech and I have appealed the denial letter in a timely fashion. I have done everything asked and I still need help getting this issues resolved before mediation in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO 7 YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY! 

2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN

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 2021-04-16
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime bank closed my account out of nowhere. They said I was not in compliance with the XXXX banks internal policies. All I do is receive my direct deposits from work, and spend my money on things I need. I have not violated any rules or regulations. They closed my account and left me stranded with no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: AMCOL Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AMCOL SYSTEMS INC- REPORTED A COLLECTION ON MY CREDIT FROM XXXX XXXX HOSPITAL TO WHOM I GAVE MY CARD NUMBER AND HAD THIS ACCOUNT PAID IN FULL BEFORE MOVING OUT OF STATE. YEAR LATER I COME TO FIND OUT THAT XXXX HOSPITAL NEVER PROCESSED THE PAYMENT I AUTHORISE THEM, NEVER CONTACTED ME PHONE OR MAILING ADDRESS AND NOW THEY SENT ME TO THIS VERY AGRESSIVE COLLECTION COMPANY THAT IS THREATENING TO ARREST ME IF I DIDN'T PAY THIS BILL ... .I WAS NOT AWARE OF THE PAST DUE BALANCE WITH THE XXXX WHO NEVER MAILED ME A BILL TO THE NEW ADDRESS I PROVIDED THEM ... PLEASE STOP THEM FROM HARASSING ME AT HOME, WORK AND NOW AT MY PARENTS HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: United Consumers Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX got my XXXX report stating I have an unpaid dept for {$440.00}. 
I contacted United Consumer XXXX. XXXX XXXX XXXX VA XXXX On XX/XX/XXXX VIA phone disputing the charge because the charge was for my adult daughter I am responsible for her debts. 

I also sent them a certified letter disputing the claim which they received on XX/XX/XXXX. 
In the letter I requested any information stating i am responsible for my daughters medical bills. 

As of this complaint I have not heard from United Consumer.

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 2017-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Six years ago I had my debit card stolen and someone deposit a check into my account using my PIN number. They also withdrew the remaining amount of money I had in my account. They withdrew about {$1000.00}. I let Bank of America now and they spent a month investigating and then let me know that about a week into the investigation they deleted footage from the bank of America ATM machine of the robber. I had a police report and followed all the steps that they required. I checked and there was about a $ XXXXXXXX {$500.00} limit on withdrawals so I do not know how they were able to withdraw almost {$1000.00} within a day. After about 2 to 3 years they forwarded the information to the XXXX and to this day I am unable to open a bank account because of this. Throughout this whole process the bankers at the location that I open my account where extremely rude to me and the people that were speaking to me on the phone treated me like I was a criminal even though I had a police report and they deleted the footage of the people that stole my card.

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 2017-08-28
Company: Harley Davidson Financial Services Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a XXXX XXXX XXXX XXXX financed through XXXX XXXX XXXX payments are due the XXXX of the month with a 10 day grace period If the payment is not made on the XXXX the next day I start getting phone calls wanting to know when I will make the payment three or four times a day almost everyday anywhere from XXXX XXXX to XXXX XXXX I give them my address and contact phone number. I am a XXXX XXXX XXXX my truck was in the repair shop for three weeks with no other source of income tried to explain this to them and all they want to know is if I can make a payment by credit card or post dated check nothing seems to make a difference to these people they are relentless in their attempt to collect their money. I feel this is harassment to collect this debt. I have other loans with other people and very seldom receive any calls and if I do we resolve the issue with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, XXXX, I was informed by a family living off their Cash App card that it wasn't working properly at gas stations and the like. They wanted to test the card to insure it was working correctly as they were making a trip for a XXXX  XXXX for one member of the family. 

On XXXX XXXX, XXXX, at approximately XXXX XXXX. I was sent {$300.00} via CASH APP with instructions to immediately return the {$300.00}. 

At approximately XXXXXXXX XXXX. I immediately sent back the {$300.00} to the same family. 

Both transactions have been confirmed by CASH APP. Neither transaction was confirmed by my XXXX XXXX. 

On XXXX XXXX, XXXX, CASH APP unilaterally entered my bank account and seized a " disputed '' amount of {$300.00} allegedly sent on XXXX XXXX, XXXX. CASH APP has admitted to seeing BOTH transactions and yet claims they are REQUIRED to return monies if there is a dispute with a bank. I inquired of the Bank and CASH APP refuses to disclose. 

I tried to file a dispute and they said I HAD to contact the party in dispute, yet on XX/XX/XXXX, NONE OF THE ABOVE requirement OCCURRED BEFORE unilaterally withdrawing the monies. 

It is my intention to pursue " civil theft '' damages against CASH APP and potential Class Action litigation if this a procedure where other INNOCENT parties have had their bank account unilaterally plundered. If CASH APP can unilaterally claim a " dispute '' allows them to breach your bank account, how many other INNOCENT parties have been harmed by this procedure. It is my intention to make " whole '' all this injured by CASH APP as I have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted my monthly mortgage amount on XX/XX/XXXX I rec 'd a coupon stating that the next payment date would be XX/XX/XXXX for approx {$1000.00} The submitted and cashed payment on XX/XX/XXXX was for {$1000.00} satisfying the XX/XX/XXXX payment date. 
Wells Fargo decided NOT to apply this amount to this payment date. 
I called Wells Fargo on XX/XX/XXXX inquiring as to why this was not done. 
Customer Service had no answer for me, they then claimed that " they will expedite '' this mistake and update the payment to XX/XX/XXXX and it would take " 3-5 business days ''. THEN the person told me 7-10 business days. 
I explained to Wells Fargo that IF I did n't catch their mistake and I did n't make another payment before XXXX XXXX, my home would of went to foreclosure possibly and they would of reported my missed payment to the Credit Bureaus. 
All I get from Wells Fargo that is " human error '', well these " human errors '' seem to inundate them because I see them all the time. 
7-10 business days to update my loan? RIDICULOUS! And I will once again need to check after this time period, only to see it not applied possibly and Wells Fargo once again telling me 7-10 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.

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