BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
Wrong Inaccurate information, fraudulent accounts

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 2019-02-21
Company: SUNTRUST BANKS, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX SunTrust Bank received a wire transfer payment of {$160000.00} to the attention of our company. SunTrust never forwarded the funds to us but credited the funds to another partys bank account. SunTrust never contacted us, the sending bank or the payer about possible inconsistent wiring instructions. After multiple outreach by us, the payer and the payer 's bank, SunTrust confirmed on XX/XX/XXXX with us and the payer that it had the funds and SunTrust requested the payer to complete one additional form to return funds to it, which the payer did. On XX/XX/XXXX, SunTrust informed us the funds were not forthcoming and payer needed to ask its bank to contact SunTrust 's Fraud Divisions for the two banks to resolve. Since SunTrust staff and executives ( we sent letters to senior executives by XXXX with receipt required when lower staff did not respond ) have been aware of this complaint for months, it is ridiculous that SunTrust is now requiring payer bank to contact yet another SunTrust unit to investigate claim.

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 2018-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
" I have disputed this charge off on XXXX XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I was looking to my credit score this morning and amazingly I saw this hard inquiry on my report about capital one on XX/XX/XXXX and I never tried to apply for a credit or loan from that bank at all plz help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In response to your response on complaint # XXXX. 

Please see the attached your response and my first complaint. You stat in your response that you sent me " NOTICE OF OUR PLAN TO SELL PROPERTY '' the date titled on your letter says XX/XX/2021. I am requesting tracking on that letter, to verify you have sent this letter. Also know they results of all of your answers are being kept as evidence by myself and a consumer law firm. Please be mindful the Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS XXXX Repossession, disposal of pledged property ; excess proceeds state 's " Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. XXXX. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. '' Also please be mindful that you never marked in my credit report status as " being disputed by consumer '' within 30 days. I have files on this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: AL
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:
These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-09
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My ex wife and I purchased our home in XXXX. The lender was XXXX. I was the XXXX XXXX at the time. I discovered the fraud committed in XXXX. It has been a nightmare ever since. We were modified in XXXX. We were forced to file bankruptcy in XXXX and was closed in XXXX. 
XXXX claimed to be a new servicer in XXXX, although we were in a bankruptcy stay they continued to harass and threaten foreclosure ever since. I explained to them that we had reconveyed already. Our statements were ignored they attempted to remove fraudulent from stay in XXXX unsuccessfully. Then XXXX XXXX claimed to be the servicer, although never seen an assignment. They tried to remove from my ex wifes bankruptcy in XXXX. Then Selene is now the servicer and have attempted to foreclose on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They Prestige Default Services are the self declared Trustee now and the loan numbers were changed as well as the TS numbers. Notifications were not sent. I sent them proof that their assignments were fraud and they ignored and continue to foreclose based on the direction of Selene Finance. See Attached Fraud from original HUD to Assignments as well as Notice of Default invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XXXX {$450.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XX/XX/XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, 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 2019-02-21
Company: EQUIFAX, INC.
State: NE
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:
A new account was added to my credit report with Equifax XX/XX/XXXX listed as XXXX {$5500.00}, however it shows no 'open date '. I disputed this with Equifax on XX/XX/XXXX via a letter as this is an old account ( over 7 years ) originally with XXXX which was already deleted from my report for being aged ( see photo ). It was the resold to a collection agency called XXXX XXXX ( this account was ALSO deleted for being aged at 7 years at the same time as XXXX being deleted. However, it was added to my report via XXXX  XX/XX/XXXX. Equifax opened an investigation re : XXXX between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX Equifax closed the investigation and left the account on my report. However what they ALSO did at this time during the re-investigation is delete the part on XXXX XXXX in the ( things that have changed on your report ) section where it shows the date they added XXXX to my report. It USED to say it was added XX/XX/XXXX in the " things that have changed section '', but they deleted that all together when i filed a dispute. If this is legit then that shouldn't have been deleted as it is a part of the account history. They added XXXX to my report on XX/XX/XXXX, why are they hiding that fact that used to show? Fortunately, l have a copy of the email XXXX XXXX sent me when XXXX was added to my report with Equifax on XX/XX/XXXX ( took a photo of this email as proof ). 

This account was originally from XXXX. XXXX was deleted from my credit report between XX/XX/XXXX - XX/XX/XXXX for being aged at 7 years ( photo included ) .This account was then sold to XXXX XXXX where it was ALSO deleted at the same time as XXXX for being aged at 7 years ( between XX/XX/XXXX - XXXX XXXX, XXXX. It was then sold again to XXXX who added it to my report where it sits today, but since it is aged at 7 years, it shouldn't be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX out both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

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

Complaint:
Upon paying for my vehicle at lease end a payment was taken from my bank account that was not due. 45 days after the payment was taken from my account I received a notice from Trans Union stating that I am currently delinquent on the account and that I have been 30 days late.

I called XXXX to let them know and they stated that I will have make a request in writing and that it may take 90 days to correct the discrepancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: TX
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was garnished by a company and they can't provide me with an account of my funds. why?

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 2021-02-10
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit scorXXXX. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: Circle Internet Financial
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am speaking for myself and on behalf of several friends who engage with this cryptocurrency exchange Poloniex operating in the US, and elsewhere, under the parent company Circle. 

Poloniex has developed the practice of delisting coins and after a certain amount of time has lapsed, they remove the ability of the user to access the money, ever again. They list and delist coins frequently, creating confusion, and while they send out emails to users, marketing emails from them are frequent and thus all communication is easy to ignore due to being misconstrued as spam. 

The exchange profits enormously from this process by the fact that money that once belonged to its customers, overnight - like magic - suddenly belongs to the exchange itself. 

I've attempted to follow up with support and without even a discussion, they said that there was nothing they could do and my money was lost. 

Strongly suggest nobody sign up to this exchange, as shockingly, even without a hack, you might lose all of your funds. 

Imagine any other custodian of funds doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Ability Recovery Services, LLC
State: TX
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 filed it under the didn't follow it right with my insurance company it pay XXXX my mental XXXX XXXX at that time

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 2021-06-22
Company: EQUIFAX, INC.
State: PA
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XX/XX/2023, I have not been able to use XXXX XXXX. I closed my account with USAA in XXXX because they made me pay back charges where I was the victim. Soon as I paid them off with money I didnt have, and went broke. I immediately closed my account with them by XX/XX/2023, at the latest. The amount was for {$1300.00} I had to pay. Fast forward four months later, and USAA is still a deterrence. I can not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation