BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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:
There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached all requested information to have this fradugelent information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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:
I've recently checked my credit report from Experian, XXXX, and XXXX   and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX  XXXX XXXX fraudulent account ( Acc no : XXXX ) was disputed and deleted in XXXX of 2019. However, Experian, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: GA
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:
Inquires that I don't recognize

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 2020-02-06
Company: Experian Information Solutions 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:
Experian is in violation of my HIPPA rights. 

XXXX XXXX XXXX is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by 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 2021-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,

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 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I'm worrieda about my credit report, I tried to fix it with the bureaus, but they did nothing. I want my problem resolve urgently. I sent 5 letters to XXXX, Transunion and 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 2020-10-11
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card.

The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business  days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store.

After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. 
The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. 
On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. 
So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through.  XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end.

I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. 
As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. 
I feel like I am on the verge of a XXXX  XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. 
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to.

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 2021-09-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sent {$300.00} sent on XX/XX/20 to someone who changed her phone number and no longer using the account $ XXXX which is where the money went to. However, since her number was changed, she no longer had access to this account and was unable to cancel, or refund the money 's sent. The response I'm getting from the company " Cashapp by Square '' is that they're unable to cancel or refund any transactions that were complete. Problem is, the funds were never accepted, or completed by her because she didn't have access to the account, the phone number associated with it, or the phone. If the transaction hasn't been completed, they should be able to reverse it. I explained to the reps that the transaction was never completed on the other end and cancelled on my end, but they're refusing to assist me with recovering my funds that's just sitting there which has been drafted from my account. I continue to advise that the person receiving the funds was unable to accept and complete the transfer because she had no access to the phone, or account any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: AES/PHEAA
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: Account information incorrect

Complaint:
This company AES/PHEAA, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
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 is in violation of my HIPPA rights. 

" The collection company '' is also in violation of my HIPPA rights. 

There is also no information for me to dispute. 

No company name, no address, no phone number. 

I'm not sure how Equifax is reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Well starting XX/XX/18 Sps XXXX XXXX is increasing my interest rate on my mortgage from 6.750 % to 7.250 % so that increases my mortgage from XXXX XXXX to XXXX. I feel that's too high of a increase in my interest rate for my mortgage it seems like they're trying to really balloon my payment now and it's going to take me forever to pay off this mortgage loan they have silently increase my interest rate I don't think it's good for me or any consumer that has to pay more than their fair share are there mortgage I pay on time every month with no problem thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX   has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I returned all the items on one of my XXXX XXXX orders purchased using my Bank of America credit card. However, I have not received credit from the merchant and thus I'm trying to dispute the charges with Bank of America. However, I can never get the dispute to go through on the Bank of America website. Also the texts that get sent are so slow that it always falls out of the 10 minute range. 

The charges that I am trying to dispute are : XX/XX/2020 {$58.00} XXXX XXXX XXXX TX XX/XX/2020 {$470.00} XXXX XXXX XXXX TX XX/XX/2020 {$26.00} XXXX XXXX XXXX TX XX/XX/2020 {$510.00} XXXX XXXX XXXX TX XX/XX/2020 {$130.00} XXXX XXXX XXXX TX XX/XX/2020 {$38.00} XXXX XXXX XXXX TX XX/XX/2020 {$140.00} XXXX XXXX XXXX TX XX/XX/2020 {$110.00} XXXX XXXX  XXXX TX XX/XX/2020 {$110.00} XXXX XXXX XXXX TX XX/XX/2020 {$53.00} XXXX XXXX XXXX TX

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 2021-09-06
Company: Mercedes Benz Financial Services
State: NM
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, MBFS report 3 missed pmts in my credit report when I had no clue that the loan was even late, my ex girlfriend is the primary on this lease and I was never informed to this late pmt!!! She called them crying because they had a repo status on this car. So she called me while they were on the phone explaining that this was due to Covid-19. I then pay the late pmts in full to catch this loan up and ask MBFS why I wasnt called when it was 30 days late. They told me that the dealership never included my info on the lease which I found to be not true as the took my info for the lease. My ex couldnt get the lease in her name as her credit wasnt good enough so they had me co-sign on the lease. I have asked them if this is the case then why did the need my info. I have called them repeatedly to remove the late pmts on my credit file as I had extremely good credit at the time and it dropped my score due to her missing the pmts. I find this disturbing as I was never informed of the late pmts but still being held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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 complaint with Equifax is that XX/XX/XXXX & XXXX XXXX. All three-credit bureaus added to my credit report, XXXX XXXX XXXX Account XXXX XXXX. I disputed this in XXXX of XXXX in which XXXX XXXX XXXX removed this account after their investigation I noticed on XX/XX/XXXX. Proof of deletion is attached. Equifax sent me notification that this account in which I disputed with all three bureaus was verified. Equifax did not do a proper investigation. I know because it was investigated by all three and removed by XXXX that this account cant be accurate. This is in a violation to my rights with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] [ 3 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ].

Along with that issue, I have submitted letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU - XX/XX/XXXX In addition, please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
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:
XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XXXX they received the town tax bill. Since they failed to pay the school taxes in XXXX the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Target allows only three online payments a week. Why? To make a fourth payment in a week, I have to call or go to a Target store. Why? An agent was unable to explain other than state that is the policy. Why is it the policy? Consumer-friendly credit card companies allow typically seven payments a week. Making me ( and others ) jump through a hoop to make a payment seems like it is discouraging customers from making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Transfinancial Companies, Inc
State: FL
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:
Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/ I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XXXX XXXX XXXX  by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.

Company response to consumer: Closed with explanation