BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company promised me that if I paid off a debt that my score would increase by at least 23 points it did not when I paid off this debt a debt which was not mine a debt which no one could prove to me was mine legitimately no 1 could send me paperwork no 1 could do anything to prove that this was my get yet I paid it off because I was promised an increase in my score by at least 23 points I watched a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm trying to get out of this neighborhood I'm trying to buy a house that is why I paid off the debt so I could get the increase of the 23 points They have not done what they said they were going to do I want them held accountable Only positive things have occurred on my credit report in the last 5 years and my score only goes down my Income to debt ratio is 7 % there are no collections there are no new hard inquiries almost everyone 's about to fall off my installment loan is up-to-date this is insane I am being targeted I want being targeted I want them to do what they said they were going to do. I You've talked to text so sorry you might need to decipher some of this because this is like the 5th year that I've been doing this with you guys so I'm tired of checking for typos for you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Dear sirs : My name is XXXX XXXX with SS XXXX. XXXX XXXX XXXX. More than 1 year ago, almost 2 years I went to a Bank XXXX XXXX in XXXX Fl to asked for a credit card, in order to get credit history the associate personal banker toll me if I put a XXXX USD as deposit I will have a credit card for that amount I accept it and they took the XXXX usd but next day I went back to the same location and I reject the transaction. I spoke with the same associate I told him that I do not want that credit card, the associate made a phone call and cancel the transaction in front of me and he told me that the XXXX usd will be return to me by mail in few days. I never received the credit card, so I do not know the number and I never received the refund of XXXX usd I am still waiting for almost 2 years to get my {$200.00} usd, I been calling every 15 days asking to make the refund to my daughter address in New Jersey ( XXXX XXXX XXXX XXXX NJ XXXX ) and In all my calls a woman or a man promised me that the check will be mail in few days I have been waiting and waiting I believe the time is off. In all my phone calls always waiting for more than XXXX minutes and I received the same answer, the check will be mail but never got it. Is not fair that the bank keep my money I need my money be return with damages for 2 years waiting to have it. Thanks a lot XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Uplift, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit and there is a collection from Uplift Inc for {$280.00}. I had an account with Uplift that was resolved back on XXXX XXXX. I used Uplift in XX/XX/XXXX to finance a cruise for my honeymoon and unfortunately my fianc passed away on XX/XX/XXXX. I contacted them immediately and was advised the steps to take to file an insurance claim so that the cruise line could reimburse them and the account could be closed. I did exactly as directed and was told my account would be put in suspension mode until the death certificate processed. I received an email on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX stating they received payment from the cruise line. This is the last correspondence I received from them on this account. I was never notified of an outstanding balance and I never received any correspondence from XXXX XXXX XXXX XXXX which is who I was recently told that the account had been turned over to. I have attempted to contact XXXX about this account but only get a recording that no one is available. I have done everything on my part that was required of me to resolve this account after filing the insurance and I do not agree that this debt is mine in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: GA
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:
On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XX/XX/XXXX XXXX disputed items my credit report from Equifax. I also sent a current bill, driver 's license, and a social security card. My certified letter was received on XX/XX/XXXX and signed. On XX/XX/XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

I also requested XXXX to Update my personal information providing the same information as I did with Equifax. XXXX also stated that I did not provide the correct information. Attached is all the information that I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am filing this complaint regarding a medical debt owed to XXXX, a company that provides aligners, and their debt collector, Westlake Portfolio. I initially signed up with XXXX and agreed to a total cost of around {$2000.00}, with an initial payment of {$290.00} and subsequent monthly payments of {$99.00}. 

Upon realizing that the aligners were not suitable for me, I researched the refund process on XXXX 's website. However, when I tried to initiate the refund, XXXX informed me that I was not eligible. I attempted to dispute their findings based on their own terms and conditions, but they had already blocked my access to do so. Feeling dissatisfied with their service and promises, I decided to continue making payments to XXXX, even though I wasn't a happy customer. 

Months later, I discovered a missing payment collection notice on my credit report, which negatively affected my credit score when I was in the process of purchasing a car. I discovered that the missed payment amount reported by Westlake Portfolio, which caused my credit score to plummet by over XXXX points. When I contacted Westlake, they informed me that the amount they were claiming included interest and charges, and even if I paid the full amount, it would remain on my credit report for 7-10 years. XXXX redirected me back to Westlake, stating they didn't have any information about my account. This back-and-forth continued, even after speaking with XXXX, a supervisor at XXXX. 

My main concern is that I am unable to ascertain which payments were missing, as I had set up automatic payments and didn't reconcile my accounts regularly unless there was a significant discrepancy. XXXX and Westlake have both provided different amounts owed, neither of which takes into account the payments I made or the agreed-upon pricing when I initially purchased the aligners. 

I feel that both XXXX and Westlake are holding my credit XXXX without providing any details about the alleged debt. They are effectively extorting me, offering the choice between paying an amount I believe to be inaccurate or enduring the long-term consequences on my credit report. I am seeking assistance in resolving this matter promptly and fairly.

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 2022-10-19
Company: EQUIFAX, 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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-18
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Someone tried to apply for a loan through Penfed credit union using my identity I did not apply application # is 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 2023-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Portfolio Recovery Associates , LLC, has been repeatedly calling me for two months without leaving texts or voicemails describing their purpose of calling me or what debt I have. They have tried to collect some sort of debt from me despite the fact that I have never used a credit card or used student loans. 

I called them earlier this morning ( XX/XX/23 ) to ask who they were and why they were calling me. The person who called me instead asked for my information, which I refused to give them unless they described their company affiliation. 

A few months ago, my house was burglarized and my birth certificate was stolen. I'm not sure if this has anything to do with it if someone is falsely impersonating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: ROBINHOOD MARKETS INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with Robinhood bank has been blocked. According to them, I am accused of having committed violations. Despite this, they do not explain exactly what articles of violation I they are referring to. Furthermore, access to my account has been restricted. As a result of their actions, I have informed the Associates at the company that I am suffering and that their actions are adversely affecting my life. I am traveling overseas and they have deliberately denied me access to money to get home. With my Veteran Benefits deposited into my account, I am entitled to my benefits as a veteran. As a brokerage account, the account is used for trading stocks. As of right now, I have options open and funds available for use in my account, but restrictions remain in place. They illegally withhold funds from me. Please understand, I reserve all my rights and do not understand their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XX/XX/2023 incorrect items on my credit report the dates and times and amount is wrong, I have not signed any agreements or contract with these companies 1. XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX 3. XXXX XXXX, I have dispute the charges with all three credit bureau and it still on my report some of them longer then 8 years .Me and the creditors have agreed to charge it off and close it and remove it from my report, I have a letter from capital one. I and XXXX has received there equipment back that there trying to charge me for that, I don't owe them and they charged it off and close it ... all longer then 8yrs please help me remove this items from my credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: NJ
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:
I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: NH
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 received a credit card from Wells Fargo I never applied for around XX/XX/XXXX. Today XX/XX/XXXX I received a letter stating a transfer for {$9100.00} was sent to XXXX XXXX XXXX XXXX XXXX. I also shouldnt have a XXXX XXXX XXXX account. I called Wells Fargo and spoke to XXXX in the fraud department alerting them to the situation.

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 2023-03-28
Company: Cottonwood Financial Ltd.
State: TX
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 have a loan showing open XX/XX/XXXX with the Cash Store, which I did not open any loans with anyone in XXXX. When I contacted the cash store on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX and XXXX they said they did not have a file for me and to contact Debt Management. I spoke with Debt management and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-03-28
Company: CITIBANK, N.A.
State: PA
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:
Someone tried to open an account in my name from Macys credit card!! I spoke with a XXXX specialist and they informed me to complete this!

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