BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: ProCollect, 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: Account information incorrect

Complaint:
I have requested multiple times that this info be verified as mine, but the company has failed to respond. This info should not be reported to my credit reports.

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 2017-08-03
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Huntington Bank online on X/XX/2017, and my wife opened a checking account on X/XX/2017. My son transferred {$2000.00} each to my account and my wife 's account on X/XX/2017 from his checking account at XXXX XXXX. We tried to return the money to his account by transferring, but my account and my wife 's account were frozen. We were locked out of our online accounts, and had no access to our funds. I did contact customer service and was told that the accounts were under investigation for a possible fraud. I was also told in one instance that the remaining balance for my account was {$2000.00}. My son tried to transfer that money to his checking account on X/X/2017 initiating from XXXX XXXX, but it bounced back on X/X/2017 due to the freeze. This is reflected in the statements for his checking account, as is the initial transfers. Please see the transaction descriptions for corresponding account numbers. Finally, we closed my account with Huntington Bank on X/X/2017 and my wife 's account on X/XX/2017. We were told over the phone that the balance of the accounts would be sent to us. Attached are the letters sent to us regarding the account closures. For my account, the letter states that the remaining balance was XXXX. I received no money. For my wife 's account, the letter states the remaining balance was {$300.00}. A check for that amount was included. I 'm not sure how that amount came to be, but I suspect it had to do with the {$300.00} bonus for opening the account and depositing {$2000.00}. We have called Huntington Bank many times and even sent a letter. The people answering the phones have no idea on the situation, and we have never been allowed to talk directly to the fraud department, which also never contacted neither verified with us via any format such as letters, e-mails or phone calls. Every time we called, nobody has been able to tell us where the originally deposited money is or provide records of transactions in the accounts. We did not receive any statements until I sent a letter questioning where our money was. Those statements are attached here and do not include any time frame when money was deposited to the account or withdrawn. The one for my account reflects X/X/2017 to X/X/2017, and the one for my wife 's account reflects X/X/2017 to X/X/2017. Our accounts were n't even open during those periods, and we did n't have access anyway. Furthermore, the statements all the way from initial transfer to now for my son 's checking account show that no money has ever been sent there from Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, XXXX and TransUnion is reporting a XXXX XXXX account that no longer exist.

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 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX At The Avenues on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 Capital One Auto Finance sent me a letter attempting to collect a debt. 

I have sent Capital One Auto Finance to investigate the account and provide verification, Capital One Auto Finance did not comply and is in violation of 15 usc 1692g ( 3 ).

Capital One Auto Finance has also threaten to repossess property belonging to me, which is a violation of 15 usc 1692d ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Square Inc
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: Privacy issues

Complaint:
My credit card purchase receipt from a vendor ( From : " XXXX XXXX XXXX via Square '' XXXX Date : XXXX XXXX, 2020 at XXXX CDT ) that uses Square was automatically sent by Square to my stepdaughter. My stepdaughter when questioning receipt of a transaction she never made spoke to me. I recognized the transaction as one I had made approximately - 2 hours earlier. My credit card acct. is through a credit union which she has no association with. The credit union has verified her non-association and opened an investigation. The receipt was sent to her email address which I dont even have, she lives out of state and her last name is not the same as mine. This straddles the line between credit card fraud, identity theft and a little illegal data mining thrown in. I have asked Square to explain this or send me a contact email or phone number so I can discuss this with them but have received absolutely no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: MI
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:
Yes I see wrong addresses on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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:
All the information collected is incorrect and I had no knowledge of any of it

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 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in reference to the XXXX XXXX Account Number : XXXX entry listed on my Transunion report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account is in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

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 2019-11-14
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FRANKLIN COLLECTION SVCS INC To Whom It May Concern, The reason for my dispute is FRANKLIN COLLECTION SVCS INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also FRANKLIN COLLECTION SVCS INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 FRANKLIN COLLECTION SVCS INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FRANKLIN COLLECTION SVCS INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FRANKLIN COLLECTION SVCS INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If FRANKLIN COLLECTION SVCS INC even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Avadyne Health Holdings, Inc
State: NC
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:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020 I mailed a letter about inaccurate accounts showing on my credit report and requested an investigation. It has been 6 weeks and I still havent received a response and these accounts are still showing on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One Bank approved me for a secured credit card XX/XX/2019. I was told the card was approved and paid the {$99.00} deposit for the card XX/XX/2019. They opened the card and I used it once and paid it off in full before the date of the statement payment. Following the payment in full they shut down the card with no reason and stating that the decision was made by their investigators whom I could not speak with and they have no contact with either. This company is ripping consumers off, stealing money and ruining people 's chances for a good credit score. There is no valid reason for them to close the card after it being opened less than 40 days. There are more consumers this is happening too and it is devastating to think that you all allow this to go on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: Radius Global Solutions LLC
State: NC
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:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is zero. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Experian Reported complaints : XXXX XXXX a medical ( XXXX ) issue of {$280.00} on XX/XX/XXXX which proves Experian would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX XXXX XXXX keeps coming up as a credit card but it is not a plastic card XXXX it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XX/XX/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 2022-10-05
Company: DISCOVER BANK
State: TX
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 never made any credit cards around XXXX XXXX Please dispute all credit cards that were made around that time I got hacked and took all my info from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

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 2019-09-27
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX. I noticed on my credit card statement a transaction made at a XXXX in Minnesota on XX/XX/XXXX. They cancelled my credit card immediately. They said that they would then look into the transaction and it turns out that there were 6 transactions made totally {$340.00}. I called them again later that week and nothing had been done. I called again the XX/XX/XXXX. I had not received my new credit card as of yet and nothing was credited to my account. I called again today. They said that they are putting it in as a non fraud case to XXXX because I do " business '' with XXXX. So because I have bought XXXX food in the past a few times over a few years I must have bought this food 6 different times in one month in a state I've never been in. Under the Error Resolution Notice which they had no idea about they are not crediting my card like they are supposed to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
Company: Receivables Management Corporation
State: SC
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:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Yes I see wrong addresses on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX  XXXX COLLECTION XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2019-02-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the Equifax data breach, I was coerced into enrolled in their XXXX XXXX program at no charge. After 1.5 years or so, I have been informed that my free membership is cancelled. My login and password no longer worked on their website. I decided instead to put a freeze on my information. I set up a new login on their site, and had to include my full S/S number. I still could not log in to the site, and was eventually locked out. I called customer service, and the representative took all my information and left me on hold awhile. When she came back, she said ( in a very heavy accent ) she couldn't help me without more information, including my full social security number ( I had already given her the last four ). Considering Equifax 's record on security, and the fact that their call center is in the XXXX, I feel very uncomfortable giving more info to some foreign person just to unlock some bogus site. It's bad enough this company has put me in this position, but do I need to put my information at more risk?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice yesterday from Convergent, regarding a XXXX XXXX past due balance. I haven't used XXXX for many years. I did receive a notice about 2-3 years ago from XXXX notifying me that someone was trying to open an account with my information. I responded and told them that it was fraud and they should not open the account. Now I'm getting a collection notice for {$1300.00}. When I closed my account, many years ago, it was paid in full. 

I sent a letter to XXXX requesting a written confirmation that I do not owe any money. I also wrote a letter to Convergent telling them the collection attempt is a scam and to cease and desist. 

I work hard to keep a really good credit rating and I don't want fraud to affect my credit history,

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