BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
*NOTE : XXXX did send TWO checks due to the breach of my social security number. XXXX is in process. 

XXXX - CMRR USPS XXXX XXXX - Disputes - Never verified any of my disputes based off of the XXXX AND XXXX breach. 

XXXX - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by Transunion . 

XXXX - CMRR USPS # XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by Transunion XXXX 

XXXX - CMRR USPS XXXX XXXX - XXXX did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the XXXX AND XXXX breach.  XXXX knows they did send two checks to me due to their breach. 

XXXX - CMRR USPS XXXX XXXX - Second attempt to XXXX.   Did not fix, verify, or answer these inquiries.

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 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One Quick Silver One is using credit report from months ago for anyone who tries to request credit line increase. I feel Capital One should be using most recent credit report and credit report not from 60 plus days ago. Most online feedback is that for anyone who owns Capital One Quick Silver One is that Capital One very reluctant to give credit line increases. I feel Capital One is misleading consumers and not being honest with consumers. Perhaps the option the even request a credit line increase should be XXXX for everyone because Capital One only gives credit line increases when choose to not when the consumer requested. I know several family and friends that say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.

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 2020-08-24
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
It has been a month now and cash app had yet to give me access to my funds in my closed account with cash app. The funds are stemming from a disputed transaction for {$500.00} that was not made due to an atm error. Along with disputed transactions from unauthorized transactions with the total of those transactions totalling over + $ 1k.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Essentially, Equifax lost my line of credit. My other creditors have no problem receiving and reporting my credit score. On XXXX XXXX I sent in my documents to equifax to verify identity. They took a tremendously slow time processing these papers. As recently as XX/XX/XXXX various members within Equifax said I did not send my papers and they could do nothing to help me. Through my roughly 50 phone calls, I have pieced together that Equifax lost my credit file and my attempts for my creditors to send my files via XXXX   have been thwarted because they do not have a file for the AUD numbers to be sent to. On XX/XX/2017 my Social Security number was used in relation to a different consumer. I obtained this through a separate credit agency and an internal error within equifax is the cause of the fat fingering. Despite numerous notifications that I am under contract with a property, Equifax has done almost nothing to rectify their error, thus potentially causing me to lose the property and hundreds of thousands in losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

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 2019-03-16
Company: PMAB,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 status incorrect

Complaint:
To whom it may concern, I am writing because XXXX XXXX facility has paid medical bills through North Carolina Medicaid on my behalf. However certain accounts were left off of the billing cycle. During this time frame myself and newborn recieved medical services from North Carolina Medicaid. The accounts are as follows : $ XXXX XXXX, XXXX XXXX $ XXXX XX/XX/XXXX The company refuses to provide me billing information dating to the times I was pregnant and a client up until my XXXX was released from the XXXX. In which the XXXX bill was covered by Medicaid which range from XX/XX/XXXX-XX/XX/XXXX. 

2nd company- XXXX Department of Social Services I applied for XXXX Medicaid XX/XX/XXXX, verification of XXXX was requested by department of XXXX Social services . I provided verification on XXXX of XXXX. I was sent an approval letter. The department of social services can not locate or providde a copy of the approval letter. For XXXX or family medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 I received noticed that I had a collection account from Ad Astra Recovery in the amount of {$1100.00} in regards to a XXXX XXXX. I have notified AD Astra that I am a victim of identity theft and the account that they hold under my name and social is indeed a result of identity theft. I did not authorize this account nor did I open this account. I have also never received written notification in regards to this account to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
dear CFPB, on XX/XX/XXXX at XXXXXXXX XXXX I attempted to withdraw {$500.00} dollars from a local atm at XXXX XXXX however no money was dispensed I when ahead and asked for help an associate named XXXX assisted me he did a 2nd attempt to withdraw {$500.00} and again no money where dispensed after this he immediately call security to inspect and open the atm machine the security officer pull the report and gave me a copy such copy shows and proves all the misfunctions of the unit ( dispenser errors and jam on cassette ) on both transactions, I was told per XXXX and the security officer that with the proof receipt my bank ( bank of America ) will reimburse the money back in to my checking account, I already spoke and explain the situation many times to bank of America associates i also send the receipt showing the machine errors where clearly shows that no money where dispensed, and still they deny my credit and charge me for both transactions as valid, please help, I'm attaching the receipt from atm and my bank charged transactions

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express has been contacting me multiple times a day since XX/XX/XXXX regarding a debt owed by my former college roommate. I have clearly expressed this is not my debt and that I am not on the account and no longer in touch with this person. They have now resorted to calling from different numbers each time in an effort to continue to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE 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:
To Whom It May Concern : I disputed a tradeline from XXXX   XXXX XXXX  with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been 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 2018-10-11
Company: Experian Information Solutions Inc.
State: VA
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 purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from 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 2019-03-16
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX The name listed above should be the only name listed on my report. Please remove the following name on the report and numbers : XXXX, XXXX, XXXX XXXX , Any phone numbers on my report shown should be deleted if its not the following number : 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 2017-08-01
Company: Experian Information Solutions Inc.
State: SC
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 am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my 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 2018-07-03
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX WELLS FARGO DEALER SERVICES REPORTED TO ALL THREE CREDIT REPORTING AGENCYS THAT MY PAYMENT WAS LATE. WHEN I SPOKE TO THEM THEY SAID IT WAS A MISPLACED PAYMENT AND I HAD TO REISSUE THE MONEY. I REISSUED IT AND WAS LATER CONTACTED THAT THEY HAD FOUND IT AND WOULD FIX THE CORRECTION BECAUSE I WAS NOT RESPONSIBLE FOR THEIR MISTAKE XX/XX/XXXX I TRADED MY CAR IN TO XXXX. XXXX PAID OFF THE LOAN TO WELLS FARGO DEALER SERVICES. THE LOAN WAS CLOSED OUT AND THEY REPORTED LATE REMARKS ON MY CREDIT WHEN I WAS NO LONGER RESPONSIBLE. 

I RECENTLY CALLED IN TO QUESTION THEM AND ASK THEM TO REMOVE THE NEGATIVE INFORMATION BECAUSE IT WAS INCORRECT. THE SUPERVISOR AT WFDS TOLD ME THAT THEY ARE NOT GOING TO MAKE ANY CHANGES AND I CAN CONTACT THE CREDIT BUREARUS AND IF I FEEL LIKE THIS IS SERIOUS ENOUGH I CAN HIRE A LAWYER. 

I JUST WANTED THE INACCURACIES FIXED BECAUSE I HAVE NEVER BEEN LATE ON ANY CAR PAYMENT EVER. AND FOR ME TO SUFFER BECAUSE OF THE FALSE INFORMATION REPORTED IS WRONG. 
WELLS FARGO IS WELL KNOWN FOR DOING FRAUDLENT THINGS AND I DONT THINK IT IS RIGHT THAT CUSTOMERS HAVE TO SUFFER BECAUSE 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 2019-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax recently did an investigation on my credit profile for an alleged debt with XXXX XXXX XXXX. In the conclusion of the investigation it was concluded that the item was deleted and now has been placed back on my report and has dropped my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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 a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX 

One amount is for {$1100.00} and another is {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened an account with Binance US  under my name and wired funds as instructed by Binance US web site on XX/XX/2021 in the amount of {$12000.00} the wire was from my XXXX XXXX account transaction ID XXXX XXXX gave me confirmation the wired went through, to date no money has been deposited in my account and After 5 different e-mails as instructed for help from Binanace US I have received no help or direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD Bank NA ( XXXX XXXX Visa credit card ) debited my XXXX XXXX checking ( XXXX ) account {$7000.00} for the auto pay on XX/XX/2020 when my statement balance was XXXX ( I had previously paid it online to ensure I wouldn't go above my credit limit ). My XXXX  account went negative as a result and I was assessed a {$35.00} overdraft fee which TD Bank NA refused to pay. They also refused to electronically reverse the auto pay by crediting my XXXX account for that amount which had already been paid. I complained about this to phone supervisor XXXX ( ID=XXXX ) who refused to credit my XXXX XXXX card for the {$35.00} overdraft fee OR to reverse the {$7000.00} autopay by crediting my XXXX  account for that amount Copy/paste from credit card website : If we do not complete a transfer you authorize on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. 

For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance. 
http : //docs.tdcardservices.com/pdfs/online_servicing_agreement.pdf

Company response to consumer: Closed with monetary relief