BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I've discovered inaccuracies on my credit report ( s ). I've reached out to XXXX and TransUnion, and XXXX regarding inaccurate reporting to no avail. 

There's a fraudulent inquiry on my XXXX report from a company listed as XXXX, I never gave permission to this company and/or any person to access my credit profile. Please delete this fraudulent inquiry. 

I have reason to believe someone living at a former address has/have access to my personal information. 

XXXX has inaccurately listed my FORMER address as my current address. 

I would like to have all former addresses deleted, XXXX XXXX XXXX XXXX XXXX, Tx XXXX and XXXX XXXX  XXXX XXXX XXXX, Tx XXXX Furthermore, TransUnion has repeatedly ignored demands to remove information that is inaccurate and/or fraudulent. 

I have never been associated with the following address : XXXX XXXX  XXXX XXXX  XXXX, TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the following phone numbers are not mine and should be deleted immediately as well : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian issues as follows : Name ID # XXXX Address ID # XXXX All inaccurate, and should be deleted immediately.

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 2020-08-12
Company: Kelsting Group, 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:
In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: CITIZENS FINANCIAL GROUP, 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 information incorrect

Complaint:
I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Solidus Group LLC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I leased a vehicle in 2014 with XXXX XXXX XXXX. Unfortunately I lost my job and was no longer able to pay my lease, so the vehicle was repossessed. The charge and account was close on my credit report, but I am still being charged and the amount has increased significantly. I have written a letter and the company added on over XXXX to the account.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX but has not received any assistance. The account has been deleted with XXXX  and XXXX   however my XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CCS Financial Services, 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:
in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I want to withdraw my money, but I have been unable to add a bank, I have been trying to contact paypal, but this company can't get in touch with them, So I need to add another bank to withdraw my money. Sorry, we cant link your bank account right now. It's been the same mistake .My email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Upgrade, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I made a payment of {$1000.00} on my XXXX Visa account, which would have reduced my balance at the time to no more than $ XXXX. XXXX sent me an email message confirming my {$1000.00} deposit. My XXXX XXXX XXXX statement also indicated that {$1000.00} had been withdrawn from my checking account. Several days later, I checked my XXXX account and noticed that I had only been credited with {$110.00}, an amount I had never made. Since then, I have made numerous phone calls to XXXX and have been assured that the issue either : 1. Is being investigated ; 2. Is being corrected ; or 3. Has been corrected. However, the missing {$880.00} has never been applied to my account. A cursory check of my account by myself not only indicates that the missing amount has never been applied but that there may be additional errors. I have made numerous requests for an audit and have been assured repeatedly that I would receive it, but none has been forthcoming. In addition, XXXX declined payment on my card on numerous occasions, despite the fact that I have never been late making payments on my account. I have ceased using the XXXX card and have only been making minimum payments on the balance to avoid a late-payment notification to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
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:
Experian refuses to take my identity theft report which indicates that the XXXX account is a result of Identity theft. Experian keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told Experian and XXXX that I refused to pay for something that is not my fault nor is it something I caused. I believe Experian and XXXX have a secret agreement because Experian is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. Experian needs to Remove the XXXX account from my Credit 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 non-monetary relief
Consumer complaint received 2023-11-12
Company: DISCOVER BANK
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discover offered me multiple promotional balance transfer offers. In exchange for a one-time transfer fee, I would receive a 0 % APR for 12-18 months. I paid these large fees to transfer substantial balances and receive the promotional APR for the advertised period of time.

I also continued to use the card for typical purchases, but pay in full at the end of the month for any incremental purchases I made, as well as the minimum payment if it was larger than the amount of my standard purchases.

After almost a year, I realized that Discover was in fact using my monthly payments to payoff the 0 % balances that I had paid to be set to 0 %, while allowing my non-promotional balances to accrue at a rate in the 24-25 % range. They effectively converted my promotional balances into non-promotional balances despite the fact that I had paid for the rate to be 0 % on those amounts. 

This type of anti-consumer behavior is very reminiscent of the reordering of purchases to maximize late fees that banks used to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
My Early Warning reports shows that there is a balance on a closed XXXX  account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a XXXX  Driver 's license. I have a XXXX  license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD Bank already knew that I was a victim of fraud, but a stranger opened a new checking account and saving account online every week, and negotiated with TD BANK many times to let them lock my work card and dont approve me. The work card opened a new account, but they said it could not be done. No results were obtained for two weeks. The new fraudulent account was opened every week. I went to the police. The police asked for a fraud investigation report issued by the TD department, but TD bank refused to give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: AmeriCollect
State: IL
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 disputed an Americollect account that is reporting medical debt in XX/XX/2018 with XXXX and XXXX. XXXX  and XXXX responded that the debt is verified as mine. The debt collector has not sent me notice that it was going to report to credit reporting agencies. The amount in question is {$1000.00} from a hospital. At the time that they are reporting debt I had insurance coverage through Medicaid for % 100 of hospital services. I had given the hospital my insurance information any time I had visited either the hospital or the physician that belongs to the same medial group. The only time I have had issue with billing is with the hospital. The hospital has not sent me an itemized bill or the reason insurance may not have paid for services on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: AR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX Venmo froze my account and won't release my money to my linked bank accounts. I have used venmo for quite some time and I've verified my identity multiple times and apparently it's not over my identity but they refuse to say why. All I did was pay my friend and Co worker money for a vehicle he purchased for me 2 months ago and for helping my kids and I with our medical bills. As well as trying but not succeeding in getting an XXXX ride and XXXX ride online for a friend stuck in Mississippi at the casino that day right before my account was frozen. I didn't commit a crime nor did they even ask me for an explanation of my transactions. They just took my money which by their policy is fdic insured because it was added by direct deposit. It's all the money I have it came from XXXX Arkansas XXXX XXXX XXXX  which as you know is unemployment. They want to say they can hold it for 180 days just in case any merchants file a claim or some nonsense which they know the only person I paid was XXXX XXXX and he tried to transfer his money to his bank through venmo and they didn't transfer it and told him it was returned to my account so take it up with me but it never made it back to my venmo account so that's another XXXX on top of {$8000.00} they are playing with on me. I have XXXX boys 9 and 15. I can't wait until 6 months.I lost my car because of this frozen account by a company pretending to be a bank when there far from it. My venmo username or email is XXXX my name is XXXX XXXX dob XX/XX/87 ssn XXXX. XXXX XXXX is here with me. HI My name is XXXX XXXX my email is XXXX dob XX/XX/87 ssn XXXX and venmo took money paid to me and claim it was sent back to the originator which is a lie because it is not in his account I am looking with him right now and all the venmo chat agents are rude and literally join the chat read my question and literally a second later leave the chat they're avoiding us for a reason why can't we have our money it's ours not venmo 's I'm gon na call my XXXX XXXX As well but I hope you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Bread Financial Holdings, Inc.
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Hi, The capital one is ridiculous. I payed {$1000.00} last month and my balance on XXXX XXXX was showing {$790.00} due, today its showing {$1900.00}. I contacted the bank, they dont know explaining and wants to charge me it! Ridiculous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a collection was placed on my account from IC SYSTEMS. When I called I found out it was for a XXXX account I had back in 2018. Due to the pandemic I couldnt get XXXX on the line, they wanted me to use a self service option. So I called the collection agency back and told them I needed this collection of of my credit and I agreed to pay it for now and dispute it with XXXX later! I finally got a rep on the line with XXXX and she stated the chargers were from unreturned equipment. She found where the equipment was returned! The collection agency stated they will remove it in 30-45 days it should have never been on my credit. They never once even attempted to collect the debt prior to placing this on my credit. Last I spoke about this account I was advised I didnt owe anything!

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This company is reporting a Collection account on my report, that does not have the correct status, not correct history. They claim that I called into their offices to claim the debt as mine, which is wholly incorrect, and I demand to see proof. I also asked for proof of the debt that they claimed that I owed to be sent to me, via disputing with the credit bureaus. They ignored my request, and nothing has ever been sent. 

My account with the utility company has been paid in full, directly to the utility company, and is currently in good standing. This collection company has no dealing with me, no contract, and no promise to pay. I have never had a contract with them, and they have no right to report incomplete account information on my report. 

I am now requesting that they send me a complete and detailed report of their claimed right to report negative information to the credit bureaus about me. 


Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2023-05-25
Company: PROSPERITY BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Prosperity Bank in XXXX lied and charged me fees I specifically asked about. When I was going to school in XXXX, I opened an account here. I also had one in XXXX with my parents. I had to move to XXXX  for work. Before I moved, I called specifically to ask if I would get charged any fees on my account. I was told that I would not because I have another linked account that is over the daily balance. So I kept the account open so that I could move money between just in case. They never asked for an updated address even though I mentioned moving. They never updated my XXXX  address, so I never received the statements. I logged in and realized that they had been charging me {$10.00} a month for the last year. I've tried calling customer service but they said a local branch manager has to authorize any refunds on fees. I've been trying multiple times and haven't been able to get a hold of said bank manager. The last time I called, I even tried to go through customer service to connect me to the bank manager but they were " too busy '' to talk to me. I'm a medical resident working sometimes 80 hours a week in XXXX  and the hours are really difficult to line up and speak to this person. Their behavior is predatory, and they are lying and hoping people won't notice This has been my worst banking experience.

Company response to consumer: Closed with monetary relief