BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
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:
THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An eviction debt was owed to a collection company IQ DATA INTERNATIONAL for {$2300.00}. The Account was paid off in XX/XX/2019. I havent received written verificaiton or reciept of payment from IQ Data international but they informed me that their system says the debt was payed and they informed the previous company of the debt payment. But it keeps showing up on my credit report and I am not able to get an apartment without paying substancial fees until this debt is cleared.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: CITIBANK, N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I entered two bill payments from my CITI checking account using the CITI Bill pay application. I selected the XXXX icon and entered my XXXX checking account number. The payments were to be made to XXXX XXXX XXXX XXXX merchant. The funds were to sent to my XXXX checking account number. CITI claims that the funds cleared on XX/XX/2020. The funding did not appear in my XXXX   checking account. I called XXXX and they claimed that they did not receive any bill payment funds. XXXX said that I should ask CITI to reverse ( pull back ) the payments from where they were sent. I called CITI and they said that the funds had cleared so there is nothing that they could do. CITI said that they could not pull back the funds. They would not reverse the payments. Instead, CITI provided me a typed paper stating that the funds had cleared. My XXXX statement shows that the funds were removed from my CITI account. 
My XXXX statement does not show any funds received into my XXXX   checking account. Neither bank can help me locate the missing bill payment funds.

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 2020-09-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00}XX/XX/XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX XXXX {$430.00} XX/XX/XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I requested an investigation and the removal of the charge-off status in this account CAPITAL ONE BANK USA N XXXX XXXX No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history on the other bureaus that proves my late charges on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Resurgent Capital Services L.P.
State: NJ
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:
My XXXX XXXX XXXX XXXX  collection account of {$660.00} is showing Open and this should be reported as Closed since it is a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Early Warning Services, LLC
State: WA
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 have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the DAMAGING information is creating problems with my banking institution ( XXXX XXXX XXXX XXXX ). I want justice for frivolous actions that EWS is doing. This been a going on since XX/XX/2020. I have provided them everything include evidence of XXXX and XXXX XXXX errors and misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. 

{$960.00} XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I came in to make a withdraw, after leaving noticed my account was negative. I immediately told the teller to return the money. I asked if there was going to be a fee, it needed to be reversed, she said to call customer service. I told her, i wouldnt as they are a joke and that i would back to the branch to fix the issue. She said yes. Next day, with the fee. I headed to the bank. She quickly dismissed what was mentioned yesterday began rolling her eyes and with a heavy sigh brushed me off when i asked to speak with a manager. ( XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was hit by hurricane Irma in XX/XX/XXXX and never recovered and applied for a loan modification and sent in a complete package of 31 pages on XX/XX/XXXX before there was a sale date scheduled. As the review went on a sale date of XX/XX/XXXX was set. I was not worried because I had already submitted my documents and knew in the past Ocwen was very helpful in loss mitigation options. I was asked to send in more documents and sent in 13 pages on XX/XX/XXXX then they asked for more documents and I sent in 3 pages on XX/XX/XXXX.

All was still well because on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was being assured that once that package is complete the sale will be placed on hold so they could review my package for workout options.

On XX/XX/XXXX at XXXX XXXX I went to the escalations department and they confirmed my packaged was deemed " complete '' I breathed a sign of relief.

On XX/XX/XXXX I call in and it's a whole different story, they claim I still need another document which was not asked for before and ignore the " complete package '' determination I had the day before.

On top of that they claim since I was less than 7 business days from a sale date they were not going to review me anymore?

I escalated it to the Ombudsman department who is trying to resolve it now especially since I was deemed to have a complete package on XX/XX/XXXX at XXXX XXXX and assured my multiple agents the days prior that the sale would be stopped once I reached that designation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: PNC Bank N.A.
State: PA
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: Received unwanted marketing or advertising

Complaint:
Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.

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 2020-09-01
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone. 

All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.

I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually. 

guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account. 

I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything. 

last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.

They keep me in the dark. AUDI FS is the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email from the bank saying that I received the amount of {$1000.00} in my account from the Application XXXX. I was happy because my son told me that he was sending the money that I asked to borrow me. I checked my account in Bank of America and never received that amount. My son account was charged for the amount but I never received it. He use my email address to send the money. We called the bank Bank of America one lady its name is XXXX from California. Also we went to our brand location but they said they were not able to get it the app transactions. They gave us a number to call. I don't received any response on the customer service number.

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 2020-11-19
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: General Motors Financial Company, Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I spoke with a representative in the GM Financial Recovery department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( XXXX XXXX XXXX ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time GM Financial verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( XXXX XXXX XXXX ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for GM Financial. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 contacted Trans union about a problem with an update on an account I pay on this on time all the time for over 2 years.
I noticed in   XXXX   that it had not been update since  XXXX .
I contacted them and Her English was poor at best, asked me some questions about the account.
She told me to get my payment history and submit it.
Never did she say what would happen next, I decided to let it go and hope it would get resolved after discussing with the Dealership.
They completely took not 1 but 2 loans off my report.
They were both in Very good standing without a missed or late payment ever.
Trying to rebuild your credit is hard enough, But have inept workers who barley speak or understand English in a job like this is unacceptable.
All the effort into getting this resolved has fallen on def ears

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 2020-06-27
Company: AC AutoPay LLC, Denver, CO Branch
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied at Autopay.com to refinance my high interest loan now that my credit is vastly improved post bankruptcy. I fully disclosed the vehicle was under water a bit and that I was 2 years post BK. Rep assured me based on soft pull that everything " looked great ''. I made it clear I wanted ONE app submitted and if declined to discuss options BEFORE anymore apps were submitted. Over XXXX XXXX they submitted 3 applications. One to XXXX XXXX XXXX XXXX, one to XXXX XXXX XXXX XXXX, and the last to XXXX XXXX XXXX. These were fraudulent applications by AutoPay knowing that I did not qualify for membership in ANY of these credit unions. When I called my account rep : XXXX XXXX XXXX he stated he had not read the notes indicating only one app but admitted they knew about the limitation I had placed and had submitted the other 2 but had an approval for me. Did not say which lender. When I declined their expensive GAP insurance and worthless warranty suddenly another {$1000.00} in a " deposit '' would be required to do a loan. NO deposit was ever mentioned in any prior communication and only came in when I refused their hard sell add ons. XXXX hung up on me and I immediately received and email stating I don't qualify for a loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA  has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

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 2020-09-01
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 mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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