BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: WI
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 no idea why EXPERIAN submitted a PERSONAL INFO DISPUTE XXXX against my birthdate when the original case on CFPB XXXX is EXPERIAN REAGING my account!!!!!!!!!!!!!! I want this account REMOVED from my profile. I am not disputing my date of birth or personal information! READ my letter AND my screenshots. On XX/XX/XXXX you had this account to fall off my credit report in XX/XX/XXXX and now it says XX/XX/XXXX?! I will be reporting this as it is illegal. I am giving you a second change. REMOVE this account or revise the reaging! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/XXXX to the Federal Trade Commission and Attorney General. Truly, 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 2021-01-27
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My credit was pulled without authorization by CBNAXXXX and there is no contact information available. Again, I did not authorize this action. 

Thank you!

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 2020-04-21
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:
i sent dispute letters for 6 months back and forth on factual information that the reporting of this account is incorrect and they have yet to prove to me how they verified this item

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 2022-02-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Loan financed under someone else 's social security number, date of birth, credit score, etc. 

On XX/XX/XXXX I opened a personal loan for {$15000.00} at an interest rate of 12 % joint with my husband. 

On XX/XX/XXXX I went to the XXXX branch located on XXXX XXXX to make my payment on my loan when teller asked if I would like to refinance my loan at 6.5 %. I agreed to refinance my loan. When speaking with the XXXX XXXX, assistant branch manager, she asked if I still worked at " XXXX XXXX '' I stated " No, I never have ''. XXXX then pulled my loan documents and reviewed my place of employment, social security number, and date of birth. XXXX then told me that I would need to present current paystubs to her. I proceeded to leave the branch and went home and got my paystubs. I took the paystubs back to XXXX ( on the same day ) and she stated there was a mix up on the loan application. 

On XX/XX/XXXX, I went back to the XXXX branch looking for XXXX however she was off. The tellers told me to go to the XXXX XXXX branch. I went to the XXXX XXXX branch in XXXX and spoke to XXXX XXXX, branch manager of loan department, in regards to what was going on with my loan. XXXX pulled up the information and I had to verify my social security number against the bank information and she stated that the birthdate and social security number on the loan was wrong and the loan would be investigated. 

On XX/XX/XXXX I had yet to hear back from anyone regarding this loan incident so I called and left a message for XXXX and XXXX. XXXX called me back and stated that " they were getting the information correct on the loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
hello I called the creditor so many times but keep reporting it to XXXX  while it supposes to go to workers compensation there is nothing to do with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved capital one has violated my consumer rights.i applied for a quick silver credit card that I was invited to apply for and was denied due to my credit worthiness.on XXXX XXXX2022.pursuant to federal laws, adverse actions only applys to employment and /or insurance. Neither of these apply to my application for a credit card. I was denied credit based on my credit report which does not have any determination upon my credit worthiness.capital one has also discriminated against me based on my credit report/scores which again is not determination of my credit worthiness. Other violations of my consumer are outlined in my letter which includes 15 USC 1642, 15 USC 1681 M and 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After reading the news about XXXX and now Navient I realize my situation matches several of those stories. Two week prior to graduating from XXXX in 2008 I was pulled out of class and taken to see a woman I had never seen at the school before ( maybe XXXX staff member in that entire building I knew them all at this point ). 

She tells me there has been an issue with my financial aid and that for the last year I have had no finances to pay for that years tuition, and I am now on the hook for nearly {$20000.00} in fees. They claimed the prior finance director never sent off my aid request for that year and showed the dated document from her filling cabinet. In my panicked state I was pushed into signing a high interest private loan. That did not have some of the safety nets traditional student loans have. 

The following week I was asked to stay at XXXX to complete a XXXX degree but in a different field that my XXXX degree. When asked why there 's not a XXXX degree for my graduating field I was told that my class would be the last one to graduate from XXXX with my degree because employment rates for graduates was less than 30 % and that they 'd no longer be offering those courses. I found this very surprising because 2yrs prior their recruitment agent boasted 80 % + job placement rate for graduates. 

A year or two later when having trouble paying for my loans and sought options to reduce my payments I was told by XXXX XXXX to enter forbearance and that it was my only real option. 9 years later an {$700.00} a month loan payments my balance is greater than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: MS
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:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: LEXISNEXIS
State: MD
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:
All the details are in my claim number with you of : XXXX. No answer has been received from LexisNexis other than a letter addressed to : FirstName XXXX Last Name at my correct address claiming the need for more information. 
I provided a copy of my credit denial from XXXX dated XXXX XXXX, 2019. 
I receive mail asking for more information, then nothing. 

I know their Credit Report was incorrect and it would seem they do not wish to explain and/or correct. 

Suggestions would be appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: MS
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:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,  2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: NC
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:
Experian cease ALERT ALERT ALERT EXPERIAN IS GOING TO DELETE " 3 '' XXXX  XXXX XXXX 8 DIGIT ACCOUNT NUMBERS ALL THREE END IN 2018!!!!!!!

ALERT CFPB EXPERIAN HAS NEVER REP
ORTED THESE ACCOUNTS UNDER MY CREDIT ... THIS IS OUTRAGEOUS conduct by the TOP MAJOR # 1 CREDIT REPORTING AGENCY IN THE WORLD. CFPB SANCTION EXPERIAN .. They continue to destroy delete change inquiries soft to hard back to hard and then change the names completely ... illegal ... ..illegal ... EXPERIAN YOUR COMPANY HAS CONTRIBUTED TO MY PERSONAL ASSAULT CALLED IDENTITY THEFT!!!!!!! Experian you still have not told me who put the fraud address of XXXX XXXX XXXX on my credit so THAT I CAN STRAIGHTEN OUT EXPERIANS MESS ... EXPERIAN CEASE CEASE GIVE ME THE CORRECT ACCOUNTS SO THAT I CAN LOCATE OVER MY LIFE MILLIONS OF MY SOLELY OWNED MONIES MYSELF I just received a dispute results with a non monetary XXXX award from experian. I WANT DAMAGES EXPERIAN. 
CFPB I am asking for a damage award regarding this from the cfpb damage fund. How do I do that Experian deleted three XXXX  XXXX XXXX accounts ending XXXX EXPERIAN I NEED all 3 ACCOUNT file INFO ... ..INFO MY OVER 1 MILLIONS LIFE MONIES DOLLARS MIGHT BE IN THESE 3 XXXX  XXXX  XXXX ACCOUNTS THAT I HAVE BEEN REQUESTING AND REPORTING SINCE IN PERSON XXXX  at XXXX XXXX XXXX XXXX  XXXX va THESE ARE NOT NUMBERS THAT ARE ORDINARY THEY ALL HAVE 8 DIGITS ENDING IN 2018 I AM REQUESTING ALL DETAILS ON EACH OF THE FOLLOWING IMMEDIATELY AS STATED ON EXPERIAN DISPUTE ATTACHED XXXX XXXX XXXX Do not delete experian you have never reported theses on my name no wonder I have identity theft. ALSO XXXX  AND XXXX  DO YOU HAVE THESE ACCOUNTS UNDER MY NAMES

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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
3 inquiries on my account that I don't have any acknowledgment about. 

XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX- XX/XX/2020 I've called many times to have the removed and nothing is working.

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 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccurate items that is reporting on my credit file : Child Support is inaccurately reporting on my XXXX. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

Incorrect Addresses : XXXX XXXX and 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 2019-03-12
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had previously been contacted by another collection agency regarding this same balance. This balance was dropped off by the company before this one because this charges were a result of malpractice. Two months later I start getting phone calls from this new company called " Aargon Agency ''. They had purchased this bad debt from the previous company but I had told them over the phone that I had spoken to the previous company and that my daughter was XXXX at this hospital which resulted on having to reach out to an outside XXXX  who XXXX my daughter without a XXXX XXXX. When I clarified that I was not liable for this charge, they told me my credit will be damaged if this was not paid to them. Here are the details regarding this claim as far as why I do not owe this balance to anyone : This bill has been disputed due to malpractice by the ER staff at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).  My daughter was XXXX with a XXXX to her XXXX   which could not be confirmed by any XXXX XXXX on site. Due to the incompetence of the staff on this ER, my daughter was sent home without a XXXX on her XXXX and I was referred to seek the help of a XXXX. Three days later I was seen by a XXXX under my insurance coverage who took his own XXXX and confirmed my daughter had XXXX   her XXXX but there was no XXXX  to be accounted for. 
I had filed a complaint with the XXXX XXXX XXXX XXXX California under Substandard care ( eg. XXXX ). 
This debt has been dropped off my record as of XXXX by 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 2016-08-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems is trying to force me to pay a debt that is not real. They are attempting to collect this fictitious debt on behalf of XXXX XXXX XXXX XXXX, which is a business that I have NEVER been to. There are dozens of XXXX reviews for XXXX XXXX XXXX that are all from people who also have never ever been to XXXX XXXX XXXX, yet have received bills and calls from debt collectors regarding this made up services. Some of these unfortunate targets say that they have actually paid the requested amount, but they still continue to receive new bills.

The first communication that I received from Commonwealth Financial Systems was extremely suspicious and I believe it may have violated the FDCPA. The caller refused to identify themselves and would not tell me why they were calling or who they represented. The asked me to provide personal information before they would share any information with me regarding the call, which I refused as it clearly seemed like a scam. They asked for my social security number and date of birth. When I asked again what the call was about, the called said that it was " in regards to a business proposal '', which I now know was a complete lie and is in direct violation of the FDCPA. When I refused to give my personal information, the caller made it clear that they knew my current address, in a manner that I perceived as threatening and distressing. They then said that they would be sending me a letter, which later arrived. 

This letter included the amount of the fictitious debt and named XXXX XXXX XXXX XXXX as the debt holder. The letter indicated that if I did not dispute this claim within 30 days, that they would assume it was legit, which can not honestly be the appropriate way to approach debt collection. 

I called the number at the bottom of the letter with the correct extension and asked for the person named at the bottom of the letter. I was told that this person worked in a different department even though I dialed his extension. The person who answered the phone then said my name and that they knew it was me calling, despite me not identifying myself to them. They then immediately asked me for my date of birth and social security number again. I told them I was not comfortable giving out this information. They transferred me to someone who I was told was a manager, and the same process repeated. I asked why I should give out personal information to such a suspicious party and the manager only insisted that they were legit, " of course we're legit, we sent you a letter. '' was his only explanation. I refused to give my personal information to this shady company regarding a fake debt. This is a clear and obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company, Venmo, will not transfer funds in my account to my verified bank. I have been using their services for about two years with no changes on my part. Presently they have me communicating with a member of their " support '' team but continuously ask me to try certain actions but no success. I believe Venmo is trying to increase balances held in their account for their benefit. The " support '' team representative has requested I make a transfer from my Venmo app. I have but have yet to see a confirmation that it in the works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a CFPB and FTC ASAP!

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