BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 HAVE REPORTED TO THE DEPARTAMENT OF IDENTITY THEFT that my identity was stolen. and sent copys of the IRS with the stam ( oficial ) that i was victim of the of identity theft. 
I HAVE CALL AND TELL THEM ( XXXX  XXXX ) AND THEY FORWARD ME TO THE COMPANY ( RECOVERY PORTAFOLIO OF XXXX  XXXX ) explaining that its not my account or my balance, I request politly to remove this balance from my credit report. 
Prortafolio Ricovery XXXX XXXX XXXX XXXX  XXXX Immediately. they has done nothing. 

please let me Know if need to report this incovenient to the appropriate goverment departmen or to have an attorney for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX XXXX was a fraud account I complained for years I have tried to contact XXXX many time with no response so I dont know how you can validatethis as mine XXXX XXXX is not a legal investigation I forward fax letters from myself to XXXX as you said any questions contact XXXX  I REQUEST AN ACTUAL SIGNED CONTRACT WITH MY SIGNATURE I DO NOT OWE ANYTHING TO XXXX IT WAS'NT MINE I DID PAY IT TO REMOVE IT FROM MY REPORT SO ACTUAL CONTRACT MY SIGNATURE FROM YOU YOU VALIDATED IT OR REMOVE FOREVER enclosed are faxs made to 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 2020-11-26
Company: Kimball, Tirey & St. John LLP
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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:
I have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill balance of {$370.00} from XXXX XXXX XXXX XXXX ( XXXX ) for service on XXXX was directly paid to XXXX by XXXX ( XXXX = XXXX Savings Plan ) on XX/XX/XXXX. Medical bill balance of {$22.00} from XXXX for service on XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. Medical bill balance of {$14.00} from XXXX was directly paid to XXXX by XXXX on XX/XX/XXXX. I have been furnishing documentation showing this to XXXX since XX/XX/XXXX. In spite of this, XXXX has sent these paid amounts to Credit Management Services ( CMS for collection. I have asked the Nebraska Secretary of State 's office ( NESOS ) for assistance by documenting these amounts were paid and should be immediately removed from collection and corrections made retroactively with all credit reporting bureaus. NESOS has done nothing other than pass correspondence from XXXX to me. Further, I provided proof of these payment on XX/XX/XXXX emailed directly from XXXX and gave CMS until Monday, XX/XX/XXXX to make the corrections showing these amounts paid, correct the information with all credit reporting bureaus and issue a letter of apology from both CMS and XXXX. I have yet to receive any response from CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XXXX of 2019, I called Santander Consumer inquiring about refinancing. I was informed that they do not refinance by the representative and shortly after that I started receiving missed payment notifications on my credit report. My credit score started off in the low XXXX 's and now is in the mid XXXX 's. The main reason as to why I called about refinancing was because my interest rate is high. I have worked diligently to change that and I have. I have called them on several different occasions on this matter but have had no response on this particular matter. No one will refinance me now because I show have recent late payments. I have paid my bill the same way since starting the loan. I never received any mail regarding in delinquencies on my account primarily because they have been reluctant to put real address on any of my mail. The dealership, Santander Consumer, and the credit bureaus all have been made aware of my address being incorrect. No entity has corrected it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion file . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-11-22
Company: CBC Companies, Inc.
State: MO
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:
My XXXX, XXXX and Innovis credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XX/XX/XXXX-XX/XX/XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXX XXXX and XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: AL
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 made several attempts with the following credit bureaus : Equifax, XXXX, XXXX  all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
My employment was affected by Covid 19. I informed Capital One and they have assistance but I was charged late fees and I was credited the fees except for one that is {$25.00}. I called in XXXX and was told it would be credited. I then called in XXXX and told the same thing. But when I called in XXXX I was told they would not credit the {$25.00} fee cause it was from XXXX. That's not what I was told therefore I it should be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 sent back and air to water generator to the merchant on XXXX XXXX. they signed for it and i have documentation to show that they received it but my bank refuses to credit back the money that i used on the credit card to purchase it. the item was sold to me via a 3rd party seller ( XXXX ) but the actual merchant who i sent the product back to is XXXX XXXX. 

i have not heard from the merchant since they received their item back and i wish for my bank to credit my account for the return of the defective product XXXX XXXX does not answer phone calls or emails and has horrible customer service.

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 2021-02-23
Company: Nelson Cruz & Associates LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 I received an email from Nelson and Cruz associates stating I owed {$680.00}. When I called them the lady immediately had a horrible attitude and I asked her to lose the attitude and she told me I was refusing to cooperate and hung up on me. I am mediately called back and she goes we are not going to do this and you were going to continue to talk to me if you call back. She finally transferred me to the operations director who still refused to mail me a bill or anything and said he would email it to me. Currently waiting on that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2018-02-09
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my mortgage loan with US Bank my account # XXXX under XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX in XX/XX/XXXX. At that time I signed a servicing disclosure stating US Bank was to pay my property taxes before XX/XX/XXXX directly from my escrow account. I found out on XX/XX/XXXX that they did not pay our property taxes. I had XXXX in my account and my property tax bill was {$5300.00}. I had to scramble around to pay my taxes so I can use the deduction on my XX/XX/XXXX Federal and State tax  return. On XX/XX/XXXX I paid my tax bill. On XX/XX/XXXX I called and faxed my paid receipt to XXXX they showed receipt of my reimbursement memo on XX/XX/XXXX. To date I have contact them 4 times asking to be reimbursed for my taxes and also to be reimbursed for them holding too much money in my escrow account. I should not have to continue to wait for a response or reimbursement. My escrow account like I said also have over {$2000.00} in it much more than needed. This is my last try to get them to respond. I want my reimbursement now.

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 monetary relief
Consumer complaint received 2019-10-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX XXXX XXXX   {$2800.00} XX/XX/XXXX synchrony networks {$2000.00} XX/XX/XXXX XXXX  XXXX  {$3300.00} XX/XX/XXXX Remove from all 3 credit reports

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 2019-02-20
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: GA
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:
Ive repeatedly requested to have them to stop reporting any past due of {$59000.00} on a XXXX XXXX Account on my credit report. I continuously send information to them showing that the account was closed XXXX 2012. I do not have a past due balance, this is not a FHA Real Estate Loan, Im not in foreclosure. Every time I dispute the information, its taken off my credit report, then put back on a few months later. I have submitted a statement. The another credit reporting agency ( XXXX XXXX ) that pulls credit reports on behalf of FEMA submitted the information to Equifax and they refused change it .Im submitting the e-mail, copy of credit report, Letter from FEMA regarding credit report and Denial of employment regarding credit report Please block XXXX XXXX from reporting on this account. By the credit reporting agency allowing this to occur, I was denied employment from FEMA based on the derogatory information on my credit report. Im enclosing the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My issue is dealing with my paypal account. My account with them i have a debit card that allows me quick use and withdrawal of my money. I have informed by the irs website that my stimulus payment was direct deposited on XX/XX/2020 to the account number paypal issued me for direct deposit. I have double checked my filing for the irs to make sure i input the numbers correctly and they were 100 percent correct. When i messaged paypal over this issue of where my money could be they said a pending payment wasn't even showing and it must be the irs at fault with wrong information and i would get confirmation when they issued a payment. Well now i have gotten that official confirmation in the mail today from the irs dated for XX/XX/2020 that my payment of {$2400.00} was sent by direct deposit. So officially i don't think the irs is at fault here and i have gotten no answers from paypal what is the problem in receiving this direct deposit that should have been deposited weeks ago. I want my money and i want to be done with paypal this is not the first time i have had issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a Vanilla Gift card as a form of payment from a customer. Every transaction has been declined. The card balance has been verified. I have had this problem often with this particular gift card company numerous times in the past XXXX  months. Their customer service is non-existent. I have called every number listed for them. I end up on hold for XXXX minutes every time I have called. No one Ever answers. This company has been nothing but problem after problem. And then prevents and/or ignores any attempt to get help from them. I am frustrated and feel ripped off And deceived by Vanilla Gift. Please help. Thank You.

Company response to consumer: Closed with explanation