BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TN
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX BalanceOwed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX****Balance Owed : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Self Financial Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX i called in to dispute these accounts off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL 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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Date of inquiry:XXXXXXXX XXXX Date of inquiry:XXXX ALLY FINANCIAL Date of inquiry: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 2021-04-13
Company: XOOM CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred {$2000.00} from my TD Bank account to my daughter 's account in XXXX with XXXX XXXX XXXX using Xoom.com, a division of XXXX. A day or so later, I discovered that I had made a mistake typing the XXXX number for international transfers. Although the money went to the correct bank, it did not go to her account. I called Xoom but because they had classified the transaction as " complete, '' they would not cancel the transaction, refund the money or see that it was credited to the correct account. I have called repeatedly and opened cases via their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several times in XXXX. I have called repeatedly and been assured that a supervisor would send me an email, but all I have received were automatic responses to my complaints. One customer service person asked me to send a copy of my daughter 's bank statement to show the funds were not deposited, I did this, but the money has still not been either refunded or deposited in the correct account. The last case number I was assigned is XXXX but I am convinced this is a scam and the company is not making any effort to track my {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$33000.00}.

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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was told that " XXXX '' was used on my debit card in XXXXXXXX XXXX XXXX. I never did this! BUT, Capital1 never sent me paper statements or emailed statements. I got none! Their app does not show where purchases came from on the app when you download the XXXX. It only says " Purchases '' not where said purchase was made. Interest for credit card fee, interest for cash advance. It does NOT show where purchases were made from. I was told the purchase was for {$28.00} in XXXX XXXX  XXXX. It is now XXXX XXXX  XXXX. Capital1 is saying that that {$28.00} has not been paid off, that I never made. I make my monthly payments religiously & on time. I never made the so called " XXXX '' purchase but better yet, how would {$28.00} NOT have been paid off in the course of 1 year and 5 months? This is not possible. I was told my payments are allocated how they deem fit, per their contract, but 1 year and 5 months they have been charging the normal interest rate PLUS the 31.4 % interest rate for the " XXXX  '' I never made. So I'm paying for 2 SEPARATE interest rates? How is this legal? How is this possible to charge for that length of time for the amount of {$28.00}, every month at 31.4 % interest rate as a " cash withdrawal in XXXX XXXX  XXXX '' on top of the 29.99 % monthly interest rate? This is not possible that that specific amount has not been paid off! And once again, I didn't make that charge. Credit card companies should not be allowed to double dip in the interest pool.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-06
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-19
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with XXXX XXXX furniture credit from XXXX -- > XXXX. I have been a card holder with them for XXXX  years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with comennity bank Forever 21 where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT OWE ANY DEBT. I HAVE NO CONTRACT WITH THIS DEBT COLLECTOR. 

PLEASE HAVE THEM PROVIDE EACH AND REQUESTED DOCUMENT IN MY DEBT VALIDATION LETTER. 


ALSO THEY ARE TO SWEAR UNDER PENALTY OF PERJURY THEY WERE PRESENT DURING THE DEBT. 

AT THIS TIME OF DISPUTE THEY ARE TO CEASE ANY REPORTING TO ANY CREDIT REPORTING AGENCY. 

THEY ALSO ARE REPORTING INACCURATELY ON MY CREDIT REPORT WHICH HAS CAUSED ME MENTAL ANGUISH AND AFFECTING MY LIVELIHOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CITIBANK, N.A.
State: MO
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:
My credit card with Home Depot is issued by Citibank. The credit card company is not sending my all of my billing statements. When I have a XXXX balance or have a credit balance, I am not receiving my statements for the following month to show that the company received my payment or issued a credit to my account. If I have a XXXX  balance, I should receive my statements to show all of the transactions for the previous billing cycle. I did not receive either my XX/XX/2020 statement or my XX/XX/2020 statement. 

When making a payment at a Home Depot, the company will only accept my check if I do an electronic transfer instead of using ACH. Missouri law states that I must agree to an electronic transfer. If I choose not to, Home Depot should still accept my payment as they have done so in the past instead of trying to force me to do something that I have no legal obligation to do. Home Depot employees should be trained to know how to accept both ways.

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 2018-12-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing concerning my request that the accounts placed in collection, on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. I shall list a few of the problems with this account. This is a formal request a block of the above listed accounts according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Firstly California Statute of Limitations is 4 years for Collection of Debt on Account is 4 yrs. ( book and stated accounts ) Civ. Proc. 4 yrs. ( book and stated accounts ) Civ. Proc. 337

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 2023-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted at XXXX for a consumer by the name of XXXX XXXX. I received 4 calls starting on Thursday and have told the person calling on a auto dialer that this is not XXXX   phone. After I got a call today I called back and asked for a manager to be sure the matter had been resolved and the person answering the phone refused a manager. This is not only harassing, it is also a violation of the TCPA. I have never given this company permission to call my cell phone with an auto dialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023. I called TransUnion and asked for my file number for a bankruptcy that they are reporting to confirm that when I asked for it in XX/XX/2023 that it was the same file number that was told to me in XX/XX/2023. 

File # XXXX ... ... .. That's what TransUnion told me again today. 

I have my XXXX Consumer Disclosure Report and no bankruptcy exists in the 354 pages that is dated XXXX 


TransUnion is reporting this derogatory mark public records Reference # XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX. 

XX/XX/2023 I called TransUnion to find out why they were reporting a bankruptcy and they said they got the information from a 3rd party agency. I reached out to XXXX through CFPB. XXXX responded that they are not reporting a bankruptcy and to maybe ask XXXX XXXX. XX/XX/2023 I called XXXX XXXX to get help locating a bankruptcy on my consumer file. The representative couldn't locate it and said to ask TransUnion to give the file #. I called TransUnion and they gave me File XXXX XXXXXXXX. I called back XXXX XXXX and spoke to XXXX who told me the file # is non-existing. I then called back TransUnion and they texted with me and said to dispute online and they would remove the details. I have attached the screenshot of the conversation. 


TransUnion has not done anything to remove the details and the account.

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 2023-11-29
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was scammed due to their leak of information on or around XX/XX/XXXX. I lost a {$1000.00} in money orders, they state they never received. I'm told there is nothing they can do. On XX/XX/XXXX, I sent {$1300.00} in money orders, over night, to them. Trying to reach this service is unbearable. I have been put on hold every time I have called, up to an hour or longer. I called to make sure they received the next money orders and they stated they had not received them. I called again on XXXX XXXX, gave them all the tracking information to locate the money orders. On the same day, there was a man taking pictures of my home for them. When I tried to stop him, he just kept driving. I called again on XXXX XXXX. I was informed they had shredded the money orders because I didn't send enough money to them. I am now {$2800.00} behind due to negligence and their refusal to help me. They are a horrible company who claim to want to help but aren't. I cant be the only one this is happening to. A Mr. Cooper owns Rushmore Services and has was supposedly fined at one point. Someone PLEASE help me to get out from under the claws of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, my XXXX XXXX XXXX mother, XXXX XXXXXXXX died. Within two days of her death, her bank, Bank of the West, locked her accounts and closed her cash rewards credit card without notice ( I found out when XXXX notified me that the auto payment from her credit card was declined ). At the time they closed it, she had a " substantial '' amount of cash back owed to her from Bank of the West. I called Bank of the West which refused to talk with me ( even though I am the executor of the estate ). Visiting the local branch in XXXX XXXX, CA was equally frustrating, the people there saying they couldn't do anything but they would have someone from corporate contact me. Today, corporate told me since the account was closed ( by them, not us ) they owed my mother nothing and they would keep the rewards cash that she had earned. She had been with Bank of the West for over 70 years, back to when it was XXXX XXXXXXXX XXXX of XXXX XXXX. Though she was the cardholder, I handled all of her finances for the past five years, including making monthly payments to Bank of the West. The account was paid in full every month and never was there a late payment. My email address, home address and phone number were the contacts on the account. Bank of the West to this date has not sent any notification saying they closed the account, only confirming they did so when I called them.

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 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, LLC has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: ClearOne Advantage, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
We have used ClearOne Avantage to help Settle our debt. They lied about how much money would be needed monthly and drafted from our account without permission. They were very misleading. We have been served by one of the creditors that they said they settled.

Company response to consumer: Closed with explanation