BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
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:
O n   XX/XX/XXXX , I   mailed a letter to Equifax notifying them of inquires that they have listed on my personal Equifax credit report that I had never authorized. I requested that they supply me with authorization that they received from me to the creditors and received a letter stating that they are " factual ''. My claim was not to address weather or not they are factual but to supply me with my consent to obtain my credit report. Equifax has been unwilling to assist with these unauthorized inquiries and this is affecting my finances. How is the " factual '' determination even made without contacting the creditor that supplied them with the information and getting proper validation? I would like to know the method of them deeming an inquiry " factual '' without proper verification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from LTD Financial Services Limited Partnership, XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, to collect {$210.00}. The creditor XXXX XXXX XXXX pertains to my residence XXXX XXXX  XXXX XXXX, Texas, where I lived from XX/XX/XXXX - XX/XX/XXXX. 

When I moved out in XX/XX/XXXX, I turned in my keys with no balance in my account. 2-3 months later after I moved out, the XXXX contacted me and said I have a balance due. I requested email or other forms of communication of detailing the debt because there was no balance when I turned in my keys. They never provided the information and then, I received this notice from LTD Financial Services, a debt collector. 

The creditor is threatening that a negative credit report reflecting on my credit record may be submitted to a credit report agency if I fail to fulfill the terms. First, of all I was never notified or received any type of communication of monies owed when I moved out. I called repeatedly and ask to speak to management. But, I never received it. And then, I receive this letter from LTD Financial Services.

First of all, why should I pay a debt I never received any information about? I have tried to get information from them and never received anything. And now, I have LTD sending me a letter threatening to put negative information on my credit report. I have no problem paying the debt if in fact it is mine, but I have yet to receive any information from property management pertaining to this debt. Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My complaint is dealing with my Chase saving /checking account there was a fraudulent charges on XX/XX/XXXX. This particular charge at XXXX XXXX for {$1100.00}. I disputed Initially. They replaced the funds briefly. Then on XX/XX/XXXX a reverse credit for {$1100.00} debit card dispute appeared on my statement. I contacted Chase to resolve the matter they stated XXXX XXXX disputed the charge and I 'd have to file a small claims to get the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Maximus Education, LLC dba Aidvantage
State: OH
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:
XXXX is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that XXXX has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Pursuant to 15 USC 1681a ( 4 ) XXXX didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy. 

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) XXXX violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did. 

Pursuant to 15USC1681b ( 2 ) XXXX violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT. 

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a letter to Mendelson Law Firm on XX/XX/2018, asking Mendelson Law firm to contact my Attorney and not contact me directly again. I provided my Attorney s contact information in the letter.The letter was sent certified mail with a tracking number. The letter was delivered On XX/XX/2018 at XXXX to their address. Mendelson Law Firm has not tried to contact my Attorney. I was recently sent a letter about disputing my debt with this firm. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I supplied a personal services to a person who used her debt card to pay for {$800.00} for an service agreement for room and boarding service in which I accepted her payment through " PayPal Here '' card reader for point of sale use ; the payment was accepted by PayPal Here at this time I believed all the funds were available for use at anytime. 

However, it wasn't until XX/XX/XXXX I received a notice regarding a 30 days hold was place on {$300.00} for the following reasons : ( 1 ) because the account was new ; ( 2 ) or because the company reserve the right to hold a portion of the funds for the first time which was been sent by PayPal to my email and after complaining to PayPal the email has been deleted from my received account. 

On XX/XX/XXXX at : XXXX at XXXX and spoke with XXXX ID # XXXX requesting PayPal to release the hold on funds, it was imperative to pay other bills and avoid 30 day lates attempting to plea with him to make an executive decision to remove the hold ; Here 's were I got the run-around with " the back office '' refused to release the hold and when I ask for the name of the back of person who he spoke too? and I was then told that " he could give out that information '' and he would not be able to release the hold on {$300.00} as requested. 

In addition to funds being placed on hold in which did not consent ; sign any agreement in XXXX when I open the account I did not consent to this form of usury. I did not select to have funds placed in a restricted account. 

Finally, I informed the agents of these facts and the recent changes and updated to place funds on hold did not apply to me ; and again requested the agents at PayPal to release the fund requested to speak with his supervisor who also refused to release the hold on the account and the call was mystically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: MA
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:
My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2020 XXXX XX/XX/2020

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 2017-06-30
Company: Experian Information Solutions Inc.
State: NJ
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 sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

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 2021-07-21
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 had to close down my Capital One checking account in XXXX due to ID hacking. While I was closing down my checking account someone had already charged {$6000.00} on my Capital one credit card so I paid it in full and destroyed it. 

Today is the second offer sent to me in the name of XXXX XXXX. XXXX and I was told I owe {$1900.00}. I have told all credit card companies multiple times that they need to block my accounts ; I put freezes on all the credit bureaus. Consequently, someone else named XXXX XXXX. XXXX is getting multiple offers for pre approved credit cards using my address ; this needs to stop. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for an auto policy from XXXX, an insurance carrier, and XXXX suggestet that a credit file was obtained from TransUnion. I have requested a copy of the information on file at TransUnion, but TransUnion has not provided such.

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 2021-04-14
Company: Total Card, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted documentation to the credit bureau regarding the resolution of this account with collection agency ; XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX VISA Acct # XXXX. I received a notice on XX/XX/2021 stating that the account was sold to them ; Total Card, INC listing the same account number that was paid with XXXX XXXX XXXX under- The XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX # XXXX. I contact this agency and was informed that they sold it to XXXX XXXX XXXX, which when I call the number that was given to me XXXX no one ever answers the phone and no one ever calls back. This account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: GA
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 and XXXX has removed my bankruptcy chapter XXXX it was dismissed. After a chapter XXXX has been dismissed it should only be on your credit report for 7 years. That is why XXXX and XXXX removed it. I have written to the address that they have given me on my credit report and it came back stating that they do not send out your information. I have Frozen my XXXX report which is a third party credit reporting company so I'm told on my credit report. So they tell me on my credit report to refer to the address on it and in other words they tell me that XXXX provided this to them I'm confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent a letter to stop calls and communicate through mail. But everyday I get 2 to 3 calls an hour and if its sent to voicemail they hang up and call right back. They never leave voicemail messages and they alway call from random numbers thats not related to the company or unknown number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: KEYCORP
State: DC
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:
Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. 

In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. 

On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. 
I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. 

In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number is XXXX. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical Data Systems has placed derogatory remarks on my credit reports. I never received any written notice regarding their collection efforts prior to reporting bad information and not allowing me the legal right to dispute or request validation of this alleged debt

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 2020-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
There are several inquiries on my credit report that I do not recognize. The following inquries I do not recognize nor did I authorize : 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 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 explanation
Consumer complaint received 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX  wish to file a formal complaint with each pertinent credit reporting agency, XXXXn, XXXX and XXXX XXXX collectively.  A debt collection agency known as The XXXX is involved in what will eventually be exposed as the largest financial scam against American consumers.  What The XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was Capital One N.A., and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was The XXXX in a position to own this debt, and for that matter, The XXXX has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of The XXXX, see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, The XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX   could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, The XXXX never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against The XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on The XXXX licensing.

Company response to consumer: Closed with explanation