BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: FIRST ADVANTAGE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I just logged in to see my complaint status, a supposedly resolved. Not true, the company First Advantage XXXX XXXX finally responded, but only to the CFPB. I was never notified, nor did they reach out to me, probably because their " client '' Arise never provided a legitimate contact for me as part of the identity theft scheme. XXXX knows that their " client '' is engaged in unscrupulous and illegal activity yet chooses to retain them and take their fees for background services. CFPB responded to this site ( not me personally ) with : XXXX XXXX XXXX XXXX. First Advantage were instructed to perform the background check for XXXX. XXXX  being a client of First Advantage, certified they had obtained the consent / authorization of the individual in order to have the background check completed. First Advantage reasonably relied on this information and performed the services accordingly. First Advantage 's background process doesn't provide our consumers with any fully visible Personal Identifiable Information ( PII ) such as date of birth ( DOB ) and social security numbers ( SSN ) for identity protection purposes. If this is in fact a case of fraudulent actions, be assured First Advantage didn't deliver anything to the fraudulent actor who may have submitted the application. Our apologies if this has caused any inconvenience of your time and effort to resolve this matter. Any further concerns regarding how this incident may have occurred should be questioned with the potential employer or client ( XXXX  ) in which this was applied. 

( end response ) Not only has this caused an incident of identity theft and hardship, the background check company is knowingly engaged in illegal activity ( note forged " consent '' ) and does not get a formal response from XXXX who is a paying client. I expect to hear from this company and Arise to resolve this illegal and criminal activity in the next XXXX business days or legal action will be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposit on XX/XX/22 amount of {$10000.00} and money was transferred to 3 or more accounts. I pay all money that due before deposit of {$10000.00}. Navy Federal system crash on mobile app of transfer to another union credit bank. I call and went local bank about my money. Navy Federal state that money never send and close and told me send me email about situation. I never received email and bank act like I spend my money. From what told to me at local branch, the system crash and now that they discovered that. Navy Federal must filed claim against insured to reclaim my money. Now they stated to me that my money never sent over, but it was not returned.

Company response to consumer: In progress
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Home Depot Credit Services sent me a letter dated XX/XX/XXXX notifying me of new cards being sent to my business. The cards never arrived. They have since told me they mailed the cards to an address that I removed from my account over 9 years ago in XXXX. An address that was my mailing address only for approximately 5 months. They are now trying to say that the wrong address is the physical location of my business and it is NOT. That was never the physical location of my business. I asked them for something in writing showing who changed my physical business location to that address and when. They refuse to do that. They can not answer why the last time they issued a new card that it was sent to my current and correct address in XXXX of XXXX. 
I simply want a copy of the written request on my company letterhead that they have told me it takes for them to change the physical location of my business. I never changed the physical location of my business to that address in Maryland. I want a copy of the written request on my company letterhead that made them change my physical location to that address because I never sent them such a written request.

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 2023-01-06
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Prince Parker a collection agency for XXXX XXXX XXXX XXXX and XXXX XXXX have repeatedly called me regarding collection of medical debt which should never have occurred. The debt is on my wife XXXX XXXX and I am XXXX. The medical costs were for my XXXX XXXX XXXX XXXXXXXX submitted us twice for debt collection on this same issue but in different amounts ( XXXXXXXX XXXX XXXX XXXX ). I have cleared this issue twice with XXXX billing department last on XX/XX/XXXX and was told by XXXX XXXX and Prince Parker that a letter would be provided showing the billing mistakes were their errors and the issue had been cleared up. Received another call from Prince Parker on XX/XX/XXXX which prompted this complaint. I paid my insurance deductible of around XXXX XXXX in XX/XX/XXXX and XXXX messed up the billing and collection from insurance company. I am also filing a complaint with the NC medical board on XXXX XXXX. FYI XXXX sent this to collections twice the second time was for XXXX. I actually received a refund from XXXX as I owed no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One has held me responsible for a battery of Fradulent Charges that resulted as a result of a violent-domestic abuse related crime. Although the person has been arrested and is in custody for a series of activity : identity theft, credit card fraud, and debit account fraud, cash, and an XXXX XXXX. The XXXX provided access to all of my vital and financial records, Capital One Bank explained that they have closed all of my current accounts and holding me responsible for all exchanges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: RMS-Recovery Management Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to resolve this issue previously with this company Recovery Management System ( RMS ). Upon my own recent discoveries, per XXXX, this agency is not authorized to collect a debt in neither of the two states that this alleged debt was incurred. I am curios to know why this agency has taken adverse actions against me, such as posting inaccurate information to my credit file, when their not even licensed to do business in neither XXXX nor XXXX, per XXXX. I have been violated and my consumer credit file has been damaged as a result of unfair and deceptive practices. 

Furthermore, I have not received any contracts showing a perfect obligation of me, the consumer, to pay this agency. I have not authorized this agency to have access to my non public information, and, as a result, I have been harassed about this alleged debt and my credit report has been damaged as well. My confidence in commerce has been lowered due to the lack of integrity of this agency.

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 2023-12-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My identity is being stolen my name is XXXX XXXX XXXX XXXX : XX/XX/1989 XXXX I have been going through this for over XXXX yrs I have houses and bank accounts and vehicles out in my name that I never went and aquired myself. I have been the subject of the XXXX XXXX scam my tag name is XXXX  XXXX I invested in stocks and never received any of the money I received a emai ( XXXX ) l in XXXX saying there were sending my account to XXXX due to the amount of money in my account and I received a financial statement from the company stating what was in my account and I called XXXX they rude told me I had no account and told me to not call back. I tried reaching out to XXXX XXXX  and no luck. I also downloaded a app on my phone and it had my bank accounts and stock information sync up to the app but it had different peoples names on the app XXXX and XXXX. I also am having a hard time getting my credit report I wrote and had my credit report sent to me in XXXX and it had some things that were not mine like someone had a child in my name I was XXXX  at the time of birth of child. And it had my business verified XXXX XXXX XXXX XXXX  and I found information that someone/someones are trying to steal my company. And every time I open a account for my credit or pre paid card I always get logged out and I never receive the card or can ever logg back in. And my account and name has been used to buy alot of property and someone has tried to XXXX me I have been XXXX XXXX and became homeless over this and my identity has been used to get government benefits and there also trying to get benefits from the veterans affairs also

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 2023-10-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX*Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: In progress
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US department of education claims I owe them {$3400.00} in student loan funding. I never received any money from the loan services or current loan servicer called NelNet. This is not a debt because I never received any money for school from US dept of education and they have no proof that I received student loan funds. Everytime I ask the student loan servicer for proof they can not give it to me. This is a clear SCAM and I want it removed from my XXXX, XXXX, and XXXX. IMMEDIATELY! I can not take out loans or pay other IMPORTANT expenses because of this. If this is not removed I will have to take proper legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For more than a year my XXXX XXXX XXXX XXXX Credit Card has been impossible to access online to make payments. I dont receive any billing notifications and when I went to customer service to set up my online access when there was an internal issue I was not helped at all. Comenity Bank runs XXXX XXXX credit cards and their online access has been a nightmare. I have a few credit cards through Comenity and very similar issues have occurred. I have had a handful of late fees because of the lack of online access and lack of billing statements being sent to me either through mail or email. Ive never made any late payments on any credit card until getting ones run by Comenity. Specifically XXXX XXXX XXXX XXXX. The online issues are still not fixed after more than a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Specialized Loan Servicing Holdings LLC
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 this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation