BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
This account is not mine and I do not want to see this account in my credit report! Could you please remove it as soon as possible because its not mine.

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 2020-04-03
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was originally held by XXXX XXXX mortgage, and transferred to New Rez. 
During the transfer process there was an overpayment in my real  estate taxes as well as village tax to the town. Starting XX/XX/XXXX I began my inquiry to obtain my refund. I was informed an investigation would take 2 weeks. I have been doing all the steps i was told by the customer service representatives regarding my issue. It has been two months and I have still not received my refund. In addition to not receiving my refund, the error in the overpayment has triggered a deficit in my escrow account causing my monthly payment to increase, and adding more unnecessary funds to my escrow account to satisfy the overpayment error Each time I contact customer service, l am told that i must wait for a call from the tax department to get the status of my refund. It has been over 2 months and i have no refund or call back from lender. Now that Covid-19 pandemic is happening, the mortgage company has been overwhelmed, and Im worried i will not get my money returned or my issues with escrow resolved. My last call was XX/XX/XXXX. I was given the run around regarding my refund and told i have to continue to wait and I must keep paying my mortgage or file for mortgage assistance Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I went onto the Capital One Preapproval website ( https : //www.capitalone.com/credit-cards/prequalify/ ) and put in my info. I got the following webpage ( see attachment entitled Exhibit A ). There is a big green " Apply Now '' button as if I prequalified for the credit card. I clicked it and, thinking that I was preapproved, I filled out the application but was DENIED. There was a hard credit report pull, which affects my credit report. This is misleading. I was not preapproved for anything but the webpage makes it seem like I had an offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal Credit dispute Case ID : XXXX I purchased an item ( soldering XXXX ) online from a U.S. based company, XXXX XXXX and paid immediately using PayPal Credit, on date of XX/XX/2020. 
Item was not received ; complaint/dispute was filed XX/XX/XXXX. PayPal policy states a maximum of thirty ( 30 ) days before refund may be issued. It is XX/XX/2020. 
Other issue is PayPal Credit Never sends a bill, by USPS or online, yet charged a late fee. Upon logging on to PayPal site noticed bill was due XX/XX/2020, still no bill ever received and spam of junk mail always checked. Still ignorant of any fact or policy practice ; PayPal site states the payment of {$39.00} is " Almost Due ''? Picture of this fact taken XX/XX/XXXX XXXX XXXX PST. Earlier that day after seeing bill due IO mailed a check for {$200.00} which was more than the {$170.00} and change shown as due. By XXXX XXXX XX/XX/XXXX, PayPal site showed an addition to the prior amount now being more than the {$200.00} sent. PayPal is impossible to contact and blames COVID for such excuse ; when we are all aware that most all business utilize a " work from home '' crew. 
Once upon a time when PayPal was XXXX it was fair to both merchant and purchase person. Since ownership is now Synchrony Bank, all is terrible and nearly non-functional. My credit is currently XXXX and needs no reason for dropping due to ignorance of a company 's own policy. Pictures, if needed can be furnished for further proof. 
Please Help.

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 2023-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I could not get a loan with Citizens to buy a phone at XXXX and the logical thing is that Citizens sent me checkbooks and they could not open an account of a minimum amount compared to what I could use with checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of identity theft in XXXX, and have had multiple credit card accounts opened in my name since then. In XXXX of XXXX, I found a credit card opened in my name that I did not open. It was charged for XXXX XXXX and opened XX/XX/XXXX. It had not appeared on my credit report prior to this, and I was not contacted by Discover about this card. 

I reported this to Discover Bank in XXXX and XXXX of XXXX. I forwarded Discover the information they asked for, which included information about previously opened fraudulent accounts, as well as a Police and FTC report. I was informed that they would need more information regarding this account. I contacted them on multiple occasions, and was continuously told to resend the information previously mentioned. 

In XXXX of XXXX, I received a notice in the mail that this account had been investigated, and it's balance was considered valid due to the fact that the credit card was sent to a previous lived at address, and that I provided Discover with my name, address and identifying information. This account was opened without my knowledge or permission. I did not receive a card, and I did not provide Discover with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My legal name is XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX is not associated with me and should be removed from the credit report ). 

I've never resided nor have I been associated with the address as shown on the report of XXXX XXXX XXXX, XXXX, XXXX, IL XXXX and XXXX XXXX XXXX, XXXX, IL XXXX ( this should be removed from the credit reports ). 

I've been associated with telephone number XXXX only ( all other numbers shown on the credit report should be removed ). 

I habe tons of credit report inquiries on my credit reports that I did not request ( these accounts should be removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I received a cashier 's check to perform a XXXX XXXX survey. The survey included buying 2 money orders in the amount of {$1000.00} each and XXXX   gift cards for the total amount of {$500.00}. I subsequently found out that the cashier 's check was a fraud and my bank deducted the amount from my bank account.

I contacted Moneygram immediately after and was instructed to email the claim forms and requested a 48-hour expedited processing of the claim. I sent the email on XX/XX/XXXX. At that time, Moneygram indicated that someone did try to claim the money orders and it was under review. I was told to wait 2 days before confirming that the email was received. I informed Moneygram that the person trying to cash it is a fraud, but Moneygram indicated that they can not place a note about the fraud. Called Moneygram on XX/XX/XXXXand XX/XX/XXXX and was told to check again later. Resent the email with claim forms on XX/XX/XXXXand also sent a fax.

Contacted Moneygram today,XX/XX/XXXX, and was told that the money orders were cashed on XX/XX/XXXX Moneygram will not explain why they only received the faxed claim, and not the email. They are not explaining why they never got the email sent to the email address they provided. They cashed the money orders despite having been informed that it was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual fee.

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 2020-06-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, the company even showing they refunded my account. I did not receive refund, I did not recieve any services that I had paid for. After THREE failed attempts to dispute with my bank i am frustrated. Santanderrefuses to file my dispute properly This is a completely accurate dispute and is very cut and dry and they have offered no assistance

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I received a credit monitoring alert and noticed that there was a new inquiry that I did not authorize. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have since placed a fraud alert on my Transunion account to ensure that I recieve a phone call to authorize access to my credit report. The erroneous inquiry is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach LVNV Funding on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with LVNV Funding nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile.

With that said I am demanding that LVNV funding provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am XXXX XXXX  and my financial address is in XXXX XXXX, XXXX. I was XXXX client at the XXXX XXXX, NY. XXXX transferred my Checking account without my authorization to the Citizens Bank and finished my relationship with XXXX. 
I did not receive anything from Citizens Bank ( debit card, password to create an access to my checking account, etc ). I've contacted Citizens Bank and I've been told they don't not have checking accounts for foreigner investors, and I'd have to go to US to solve this problem. The amount that I have in Citizens do not justify this cost that I would have with a flight ticket, hotels, meals etc. I've also contacted the customer relationship at Citizen to get my debit card, but the attendant told he couldn't help me without a debit card reference number, which I've never got one. I can't believe this kind of problem can't be solved throught the internet or phone calls in the 21th century. 
The only thing that I am receiving is in a monthly basis a checking account statement informing a charge of monthly maintenance fee of USD XXXX. I CAN NOT DO NOTHING WITH MY MONEY AT CITIZENS BANK. So they are charging me this fee I can't do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
midland funding closed & removed themselves from XXXX, they need to update XXXX & XXXX also. all information needs to match on all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello! To whom it is concerned, I sent a dispute letter related to all recent inquiries that were inaccurate on my credit report to Equifax and they have not yet responded to me of any results are verified the information for me. I know for a fact that these inquiries are not accurate. Not only have they not responded to me within the 30 day window, but has not verified the information at all. Please have them to remove these hared inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: NV
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:
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. 
Account name : XXXX Account # : XXXX, has violated my rights. 
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 2021-06-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not allow online access to online release of a credit freeze without paying them {$14.00} a month for premium plan. Their available phone numbers listed on my account will not transfer to a live representative nor do they provide a email address I am able to release and reinstate freeze at the other agencies online. 
I BELIEVE THIS TO BE A FORM OF PREDIATORY BUSINESS PRACTICE. 
IN AN EFFORT TO OBTAIN REVENUE. .They were the one that had me set up the free membership which appears to be for sole purpose to email spam and solicitation of premium membership. 
When you finally get through their automated phone menu they want you to send them your SSN, copy of driver 's license, utility bills, address and Birth date in an envelope address to them. Everything that could possibly be use to steal an identity clearly marked to a credit 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 non-monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it may concern ; I sent a dispute letter to the company Equifax on XX/XX/XXXX regarding inaccurate and unverified public record on my credit report ( bankruptcy ) I asked Equifax to investigate for me and give me the method of how they verified the account. Not only have I not heard from them at all about this account but they have not conducted the investigation within a timely manner within the 30 day period. Please have them delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company notified my employer in attempt to collect a debt. I was never contacted or given an opportunity to dispute the claim or ever served with the with the summons. They presented it to my employer 7 years later. The debt is also in someone else 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation