BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
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:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Account information incorrect

Complaint:
XXXX XXXX is refusing to update all three credit reports.

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 2020-03-10
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood is charging me a fee for a line of credit they now refuse to honor. This cost me roughly {$150.00} today. Robinhood 's scam to charge a fee but not provide a service is ridiculous and shouldn't be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan which I routinely pay on line. I paid XXXX payment on XXXX. A week or two later I received a late payment due from their collection dept. After a long conversation on the phone I finally convinced them that I was looking on the computer screen at my bank account and saw that they debited the money from my account on XXXX. They supposedly saw what happened and said they would take care of it. Twu weeks later I received another letter from the collection dept. with more late charges. I called again and they said be patient and it will be corrected. Three weeks later I received another letter from the collection dept. This is ridiculous that in this day and age they can not just bring up my account on the computer and fix the problem with one or two keystrokes. I am now concerned that this is going to affect my credit score as it is XXXX. I just want it fixed and a written letter from them stating that this will not avvect my credit score and to get rid of the late charges. I actually talked to a XXXX ( a supervisor ) but still a pronlem is there and not even an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Card co. is reporting me as 30/60 days late in XXXX XXXX. This is incorrect. I was a victim of fraud, my card was lost and used by unknown person. At the time my balance was {$0.00}. I was told I was not responsible for these charges. Investigation found in my favor. Card Co. reports me as late, these were not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A bunch of errors was being stated in my XXXX XXXX XXXXXXXX, I have sent out letters to both Bureaus and Creditors about the erroneous information but they have neglected my request of submitting to my address any proof or documents to validate the accuracy of their investigation. They failed to meet the XXXX XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX VISA account appears on my Transunion credit report as hard inquiries, ( 3 times ). I have disputed many times those 3 account via Transunion and also directly by calling this company but every time transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS 3 HARD INQUIRIES TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THOSE INQUIRIES.

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 2022-10-10
Company: SCA Collections, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letters were sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2020-12-29
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an account XXXX XXXX XXXX XXXX numerous times with this bureau because it does not belong to me. They have not proven to have verified or validate this account at all while continually updating it to verified and accurate. I have not received any proof of verification at all. I have asked for the name and position of the individual as well as the documentation of this account showing it belongs to me. This negative info is causing me a lot of stress and wasted time. Please do not play anymore games for stall tactics, this is me disputing this invalid account on my reporting, I have attached my Driver 's License, Social Security Card as well as the credit report showing the invalid account. I will have to pursue legal action if this account is not promptly removed 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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
refuses to remove hard inquiries when there is no actual proof of identity such as a drivers license or an actual signature ; XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/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 2022-03-18
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
i noticed a charge on my credit card account in the amount of XXXX $ posted on XX/XX/XXXX from XXXX. 

i dont recall making any purchase with XXXX on XX/XX/XXXX. 

when i contacted XXXX regarding this charge, XXXX informed me that it was a purchase made on XX/XX/XXXX, but was not able to provide any information on this transaction. 

i contacted my bank ( chase ) to dispute this transaction. 

2 months after my initial dispute request, the bank responded to the dispute XXXX said i was responsible becuase i had prior purchases with this business. yes, i have shopped with XXXX in the past, and during that time period ( XXXX and XXXX ). However, i never authorized this charge for XXXX and no one ( XXXX or my bank ) is able to tell me what was purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: FL
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 accounts XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 a section 2.it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage holder, New Rez, and their servicing arm Shellpoint Mortgage, have failed to pay our property tax bill on time. We are very close to having our lack of payment be included in public record and I am very concerned. Their lack of response, and inability to reach anyone live that is capable Of giving me sufficient feedback is extremely troubling. Their also failed to pay my homeowners insurance on time, but luckily that department handled my matter within two weeks of me notifying them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I received an email from Barclays saying I was late on my payment. I DO NOT have a Barclays account/card and I have never received any kind of statement ( email or paper ) from them except the one telling me I was late. I called them immediately and had to give information that made me uncomfortable but I wanted to clear up this problem. They sent me a letter saying their fraud department was investigating. That is all I have ever received from them= XXXX email and the letter. NEVER A STATEMENT! They called today to tell me the charges are mine because it was my XXXX!? My husband does not have a Barclays card and I certainly didnt make him an authorized user since I DO NOT HAVE A BARCLAYS CARD! They could not tell me my XXXX name. They said I need to show documentation that I didnt make the charges. How can I do that when Ive never received any kind of statement from them? Please let me known if you need more information to solve this case. Id like to see the statements but I dont know the fraudulent account number so they wont see it to me. It is not right!!! Your help is greatly appreciated!!

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. XXXX  has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

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 2022-03-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeatedly calling my number numerous times during the day, according to the FDCPA they can not continually call. Three times they called within 8 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX I realized I was XXXX. I applied for XXXX, and then I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I was needing help. I was successful in receiving XXXX XXXX XXXX, but, was not successful with XXXX 's XXXX XXXX. XXXX started to make negative postings on my credit. Missed payments of late payments. I was able to catch up with payments with XXXX, but in XXXX XXXX, when I made my last payment to XXXX card service, that was never posted on my credit report. It started to show that I was late with XXXX payment by XXXX then XXXX days. Then, XXXX sent me a letter offering to let me reapply for XXXX XXXX XXXX, I did, and sent a copy of my XXXX award letter, along with proof I had been working at that time, and a Doctor 's signature and DX. Then, I got a letter saying that I was approved for XXXX XXXX XXXX, for XXXX forward and not XXXX forward, ( date XXXX found me XXXX ). Ok, great. I got a check for " fees '' for {$910.00} from XXXX XXXX XXXX, but, no changes on my credit report. Next, XXXX sends me email saying I was not responding to an earlier email, ( which I did not receive ) but because XXXX had closed my credit card in XXXX, I could not access the system. I called XXXX, and a woman said she could fix the credit reporting, but, pushed me to accept ro-bo callings. My credit has still not been fixed. 
I am trying to buy a house and lower my monthly expenses, but XXXX 's years of bad credit reporting has my credit score in the XXXX 's. How can I fix that?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted The President and CEO of XXXX XXXX XXXX XXXX, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and XXXX responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Northstar Education Finance Incorporated
State: VA
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:
I have made timely payments on my Fed Student loan for over 14 years to XXXX XXXX. XXXX XXXX XXXX XXXX. The beginning balance was approximately {$100000.00}. I have paid over {$120000.00} and the balance on the loan is approximately {$95000.00}. When I complained and requested an amortization schedule for a 15 year loan that has the same principal balance as it did 14 years ago, the Servicer informed me that no amortization schedule was available. Then a couple days later, the lender split my loan and transferred it to 2 new servicers, each with the balance apparently. There was no warning, approval, etc. I think this was done in retaliation for my filing a complaint and request for payment history. I have no idea if this loan or lending institution is legitimate. I have no faith that the records are accurate. 

Equally troubling is that my personal information has now been transferred to 2 additional entities ( including my birth date, personal address, social security number, banking accounts, email etc. ). I understood that the lender may select a servicing entity at the time of consolidation but it can not retaliatorily " split and transfer '' balances. This is a student loan, not a revolving credit card ( and hopefully not a pyramid scheme ). A 20 % return on investment should be adequate for student lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: NC
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 have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.

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 2015-12-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle in XXXX from a dealership who facilitated the financing through Wells Fargo. I have requested Wells Fargo send me a credit score disclosure XXXX times and have yet to receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation