BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: Experian Information Solutions 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:
I have been disputing inaccurate information being reported to my credit report and XXXX, XXXX, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information 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 2021-02-12
Company: CBC Companies, 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: Old information reappears or never goes away

Complaint:
RE : XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using annual credit report ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX and XXXX I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX and XXXX is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX and XXXX doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CITIBANK, N.A.
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TDBank offers a bill payment service with its checking accounts. On XX/XX/XXXX, an authorized transaction payment of {$100.00} was sent to XXXX XXXX XXXX via bill pay. On XX/XX/XXXX my checking account showed a pending payment of {$100.00} to XXXX XXXX XXXX  I immediately called TDBank and a male the CSR told by me that XXXX XXXX XXXX pulled the {$100.00} from my account. XXXX XXXX at XXXX informed me that they did not and could not access my account. I again called TDBank and XXXX offered that there was a problem with bill pay system duplicating payments already made. I told her that is my reason for calling and she required i complete a dispute form and that it would only take a few days. Three days later, XXXX at TDBank told me I must wait 8 days for a response and on XX/XX/XXXX {$100.00} was deposited into my account. An XX/XX/XXXX email fromTDBank confirmed the deposit, advised that my XXXX XXXX was suspended, unable to recall the XX/XX/XXXX XXXX & XXXX payment I had to repay {$100.00} to XXXX, their XXXX XXXX XXXX XXXX finally, they threatened me with Collections. Tuesday XXXX I visited my TDBank branch and XXXX was left holding for 20 minutes and told to call XXXX. Today, XXXX I called XXXX and told XXXX that I live on a fixed income and could not pay until XXXX she abruptly told me to call back then and that my account would remain suspended until then, no matter that my creditors would not be paid and now payment info needed is not available. Then I called TDBank and was told they could not unrestrict my access to XXXX XXXX. I was referred to CFPB by Federal Reserve CSR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: LD Holdings Group, LLC
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: Account information incorrect

Complaint:
i just talked ro lady from XXXX who said i need to get somebody from loan depot to take rhis off credit report and their to busy trying to sell me a loan i have no interest in to get to any one to take care of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a bank account with BBVA to receive a bonus of {$200.00} if I sent a direct deposit from my employer to the account. I was told, from the offer, that within 60 days the bonus would be posted if a direct deposit of {$300.00} or more was sent to my account. I was approved and set up my direct deposit. On XX/XX/XXXX, the direct deposit of XXXX dollars posted from my employer. I waited 60 days. The bonus never posted. I called and contacted the bank several times on XX/XX/XXXX and then on XX/XX/XXXX. I was told that the complaint was being escalated to corporate and to wait 24 to 48 hours. I have yet to hear back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: Service Finance Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a reply to XXXX. 

I am now believing that Service Financial may have altered or been given false information from the contractor. 

We are requesting : # XXXX ) The original contract # XXXX ) The release from the owner of the house that signed off when the work was completed. 

# XXXX ) Any additional contracts that the contractor is claiming to have with the owner of the house. 

I am willing to entertain the idea that Service Financial may have been misled by the contractor or representatives of the contractor. The person that was working for the contractor was terminated shortly after my issues with the incomplete job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/XXXX Capital One statement shows a balance of {$240.00} and a minimum payment of {$25.00} due by XX/XX/XXXX. The XX/XX/XXXX statement shows an electronic payment of {$240.00} posted on XX/XX/XXXX, and an interest charge of {$2.00}. 

I contacted Capital One on XX/XX/XXXX to dispute the interest and spoke to XXXX, who told me that " the way our computers calculate interest is kind of funny '' and that if I pay the {$2.00}, my next statement will have a XXXX balance. I stated that I will NOT pay that amount, and requested that it be removed from my statement. XXXX then informed me that " she did see an option for a waver of the interest charge '' and that " as a one-time courtesy, she would provide a credit to my account which should be applied within seven to ten days ''. 

While not germane to the issue, the payment submitted was a balance transfer to an interest-free account with another creditor. I believe this is relevant because less knowledgeable consumers would probably attribute the interest charge to how the balance transfer is processed and assume it is legitimate. 

My obvious complaint is that first, I was charged interest on an account which does not assess interest on balances which are paid off by the due date, second that instead of an apology I was instructed to pay the fraudulent charge, and third that instead of being treated as an oversight, the issue was " resolved '' with the insinuation that the company was doing me a favor by correcting their fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I entered into a residential real estate purchase contract to sell my home. The contract requires that the seller furnish a XXXX XXXX report to the buyer within 5 days of the signing of the contract. I contacted Lexis/Nexis who administers and furnishes the reports on XXXX XX/XX/2019 as instructed by my insurer. I filled out the online report request form, and indicated I would like to receive the report via email. The online information provided after I filled out the form to obtain the report stated that the report would be mailed and I would receive it in 15 days. I then called the customer service line to try and obtain a copy of the XXXX XXXX report in a timely manner so that the contract to purchase my house could be finalized. I was informed by a customer service agent that Lexis/Nexis no longer provides report via email for security reasons and that there was no way to send the report to me faster than 15 days. I was told that this policy, of only using regular mail, was put into place about a month ago. I explained several times that this was jeopardizing my ability to fulfill my obligations under the residential real estate purchase contract. I asked to speak to a supervisor and was told that one was not available but that I could put in a request to receive a call back within 48 hours. This was not an acceptable resolution. 

XXXX has personal consumer data and/or information that I require to complete a contract. I was not notified of the change in policy and could not request my report in advance in anticipation of the contract. My claims history contained in the XXXX report is unreasonably being withheld from me and is likely to cause extreme financial harm to me. 

I would like the company to provide my report immediately and for the policy to be changed so that real estate contracts nationwide are not jeopardized by this unreasonable and unconscionable policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
per attached creditor is reporting incorrect account status, payment status, balance and past due amount. It seems to be a game of destruction and irresponsibility to ruin and defame those whom demand correct reporting. XXXX blames USAA and USAA blames XXXX. Both should be shamed ... as none of the information reported is correct. This loan was paid in full nearing five ( 5 ) years prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: DISCOVER BANK
State: OH
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 have spoken to discover card, XXXX, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the discover credit card off of my credit report permanently, which never happened. It keeps getting reinserted by discover credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent Discover credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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 filed a dispute in XX/XX/XXXX and again in XX/XX/XXXX with Equifax regarding 2 hard inquiries and a loan for XXXX XXXX. The dispute was filed due to it was fraudulent. I provided Equifax with a police report, dispute letter, FTC report and identification docs, however after filing several disputes no action has been taken to remove the loan. They did however remove the inquiries. I tried contacting the creditor ( XXXX XXXX ), but the number provided on my credit report is disconnected. I have also tried looking them up on the internet and was unsuccessful. Equifax refuse to remove the {$1500.00} loan that was opened on XX/XX/XXXX. I informed Equifax my personal information was involved in several Data Breaches including 1 with them. I have since placed a fraud alert on my credit file. I'm in the process of purchasing a new home and this dispute is causing a delay in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Maury Cobb, Attorney at Law, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collector named Maury Cobb located in XXXX alabama claiming to be a lawyer collecting around XXXX dollars. A robot message calls every day sometimes twice. It was a medical bill that Medicare has already payed XXXX XXXX XXXX and they have been told this and asked to stop. My name is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After having a Citi Bank credit card account for over a year, the company has repeatedly switched my billing to paperless billing without my consent. They then charge a late fee because I have not paid my bill on time, which I did not receive in the form that I require. After contacting the company and requesting paper billing now the second time, they will not waive my late fee for a missed payment, and my credit score has suffered because of it. The most recent case of this happened with my account in XXXX, when they changed my account to paperless billing, and recently marked my account overdue by over 30 days. I called to resolve it on XX/XX/XXXX by paying the balance. The balance was {$43.00}, and they refuse to waive my late fee because they had previously waived a late fee within the last 12 months. The prior late fee that was previously waived was for the exact same thing, when they enrolled me without my consent in paperless billing. This is the second time this is happened, and when I inquired how this keeps happening in the creditor explained, that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, but I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to because I have it on my file showing that I explicitly do not want paperless billing. The creditor explained that if I see any information on their website regarding paperless billing and do not scroll to the bottom far right corner of the box and click no thank you, that I am automatically enrolled in paperless billing from that date forward. I explained to her that that seemed a rather subversive way to enroll people in something they do not agree to, because I have it on my file showing that I explicitly do not want to enroll in paperless billing.

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 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.

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 2021-08-21
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?

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 2021-08-21
Company: EQUIFAX, INC.
State: CT
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:
Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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 fraud alerts or security freezes

Complaint:
I thought it was only me but I looked it up on the Internet and many others are having the same problem with TransUnion credit freeze. Either you can freeze it or you can not freeze it, we just get the error screen. We can not get in our account or do anything and when you call them, they will send you around to different departments then tell you they can not fix it. They ask you to buy their service instead. I need my credit unfrozen so I can apply for a new rental. I need to get out of my current rental due to a stalking issue and can not apply for anything that goes thru this company this week.

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 2018-08-24
Company: Midwest Recovery Systems
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 status incorrect

Complaint:
Midwest Recovery Systems posted on my credit report for a loan opened on XX/XX/XXXX from XXXX XXXX XXXX. No such loan was opened on XX/XX/XXXX.

I contacted XX/XX/XXXX I contacted XXXX XXXX XXXX to confirm that they work with Midwest Recovery Systems but would not answer me.

Same date, contact Midwest Recovery Systems for proof of loan. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: ID Analytics, 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:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation