BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
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:
Experian has failed to completely remove the XXXX collections which were incorrectly placed on my credit file. I've had to initiate several disputes against the collections and while no single dispute exceeded thirty days, in aggregate it's been more than thirty days for what is essentially the same issue by the same collection agency which Experian has failed to properly handle.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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 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 2019-05-01
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested a money transfer on XX/XX/XXXX and received a Transfer Confirmation Receipt pdf which showed both the Funded and Paid Out dates asXX/XX/2019. However, the recipient is yet to receive the transfer. I called TransferWise customer assistance on XX/XX/XXXX and was advised to tell recipient to go to his bank with the receipt for collection. On XX/XX/XXXX, the recipients bank informed him that the money had not made it over to the bank, and that he needed a different form to be able to collect the transfer. The bank also informed the recipient that he would have to collect the money in XXXX, even though his bank is in XXXX where he lives. I called TransferWise back on XX/XX/XXXX to request a cancelation of the transfer. However I was told that it could not be canceled, and they are unable to determine when the transfer would be completed at this point. I was asked by the representative to wait and they would contact me via phone and/or email whenever they are able to determine that the transfer is truly complete and ready for collection. It has been 8 days since I made the original request. The time it takes for transfer was falsely represented by TransferWise and now I have no way to know how much longer it might take. I find this rather unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
WHAT YOU ARE ALLOWING TO BE DONE TO ME IS WRONG!!!!!!!!! 
TRANSUNION VIOLATED MY RIGHTS/ VIOLATED MY HUMAN RESPECT/ TRANSUNION KNOWS THEY HAVE NEVER ADDRESS THE ISSUES I COMPLAINED ABOUT. THE CFPB NEVER ADDRESS THE ONE REASON FOR MY PROBLEMS THAT AGENCY. IT LOOKS LIKE YOU ARE AWARE OF WHAT THEY ARE DOING AND YOU ALLOW THEM TO RUIN PEOPLES LIVES TO DESTRUCTION, AS THEY HAVE MINE. 
TRANSUNION LIED ; I NEVER DID THE THINGS THEY RECORDED FOR THE WORLD TO SEE, THAT'S PUBLIC BLASPHEMY, AND THE CFPB HAS JOINED TO HELP COVER THE WRONGNESS OF THE CREDIT AGENCY THAT THEY ARE SUPPOSED TO BE REGULATING. 
THIS WHOLE MESS STING TO XXXX  XXXX. 
I HAVE TRIED TO FOLLOW THE METHOD OF BEING A PROPER HUMAN BEING DOING THE RIGHT THING AND YOU HAVE JUST SHUT ME DOWN. TRANSUNION COMPANY HAS TREATED ME UNJUSTLY, UNFAIRLY AND DISRESPETFULLY. 
THE WORLD IS MY JUDGE.

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 2021-03-26
Company: Arbor Professional Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called and requested an itemized statement from this collector along with written confirmation on the process of paying off the debt as well as the process of reporting to the credit bureaus. 

I emailed the following to the listed president, XXXX XXXX : Hi XXXX, I wanted to formally file a complaint with you just as I have done with the Michigan Attorney General, Texas Attorney General, the XXXX, and my family 's legal counsel. 

Today I called Arbor Professional Solutions to resolve a debt I acquired 6 years ago. Because the bill is so old, I called and requested an itemized statement from your company, written confirmation on the process of paying off the debt, along with the process of reporting to the credit bureaus. Once I received this information verbally, I once again asked to receive an email, letter, or even web address listing these processes and information. Most calls at business are recorded for records and training. I like to have my own copies for records as well. 
I was met with rudeness and unprofessionalism. I spoke with someone named XXXX and her supervisor. XXXX transferred me over to her supervisor without even indicating that she was doing so and her supervisor rudely said to me " Oh I'll wait since I wasn't talking '' as if I am a three-year-old. Mind you, I was on the phone with her for less than a minute before she became rude. 

After the supervisor 's statement, I asked her to repeat herself. She did with confidence. They then blocked me from being able to call the office again. I didn't get disrespectful. I didn't raise my voice or become rude until after that statement which was in response to one question which was " how am I supposed to confirm this information if you can't send anything to me? ". Feel free to have your team listen to those calls. 

The unprofessionalism from the employees within your office is preventing people from paying off their debts due to their HORRIBLE customer service. It shouldn't be a hassle to pay off a debt. I am sure there are many consumers like myself who have the intentions of paying but then are met with such rudeness. Your XXXX reviews state just that. 

Please let me know how we can remedy this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email at XXXX XXXX XXXX on XX/XX/2023 about someone signing into a Capital One account in my name using a different device. I then recovered the username using my email and discovered someone opened a Capital One checking account in my name. I attempted to call Capital One to report this, however I was told by the credit card department that I would have to wait until the morning to speak to someone from the checking account department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Experian Information Solutions Inc.
State: VA
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:
credit reporting agency will not update my mortgage as paid off

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 2021-08-08
Company: United PanAm Financial Corp.
State: TN
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:
On XX/XX/2012 regarding complaint XXXX. United auto Credit provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 been disputing these fraudulent inquires on my credit report for the pass couple of months now and the credit bureaus have yet to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XX/XX/2021 USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. CA XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX To whom it may concern USCB AMERICA Has failed to respond to my debt validation request. 
They are in violation of FDCPA laws by not contacting me through mail per my request. 

They have been harassing me plus they have recently put an inaccurate non validated debt on my credit report that I was never aware of. 

I have filed a complaint with the consumer financial protection bureau as well as the XXXX XXXX XXXX.I have contacted my lawyers they will also be sending you letters to take this matter to court because they are violating HIPAA law I have contacted USCB America and it has been 30 days. I have contacted this agency on 3 occasions and I have not received anything in the mail to validate this debt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I discovered Experian has been taking money from my bank acc since XX/XX/2018 for services I never even knew about or wanted. I called them and they said theyd reimburse for 1 months payment {$23.00}. They said Id have to get my bank to dispute the rest. Well the bank can only dispute 1 month. Ive been deceived and am out around {$750.00} that I need! Im on social security and I dont waste my money on this kind of unnecessary stuff. Please help me get my money back! I certainly appreciate your help!

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 2019-06-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am so disappointed how Equifax, XXXX and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: NJ
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: Billing dispute for services

Complaint:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and Equifax credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 XXXX XXXX XXXX sent me a payment of EUR XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX XXXX  was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX XXXX that they are unable to recover money from this account. My personal calls to Capital One Bank always ended up with advice to contact the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I never applied for a pay day loan this loan was opened XX/XX/2022 .My formal spouse had used my information to opened a pay day loan and the only reason I found out was through my credit account I dont want my credit affected by something I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Conserve is reporting a debt on my credit for {$130.00}. I sent a certified letter, on XX/XX/2022 asking for documentation and validation of the debt. They have not responded to date ( XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in process to refi my house and discovered a collection account from MRS BPO in the amount of {$210.00}. This was a debt i informed them had been paid direct to XXXX in XXXX of XXXX, for an account closed from XX/XX/XXXX. At advice of my loan officer was to pay and request a deletion for better rates. I called XXXX XX/XX/XXXX requested that if I pay would they remove from my credit report. She informed me that once XXXX  notified them balance is paid it would be deleted. Now they are saying they never stated that, and that they cant delete collection items reported to Credit Agency, but yet they can put it on my report. Please be careful and know rights as I should have used a pay for deletion agreement. Unprofessional practices

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: HYUNDAI CAPITAL AMERICA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My mother recently passed away and I have been on able to find the title to her car. I called them send her death certificate with her beneficiaries name they have told us three times this is all they need to send us a letter there is no lein on the car. I was starting to get confused because my mother has all her she has receipts from grocery stores that dont even exist anymore. So I called them and asked when the original title was mailed out they told me XXXX of XXXX. I said no that is wrong she got really defensive and hung up on me. The car was paid off in XXXX of XXXX they never mailed my mother the title. Now we need it to move the car we are racking up fines. They are being very unhelpful

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 2023-03-15
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I called numerous times to discuss the alleged account, but no one responded nor did I give consent for the credit card companies to give my personal information out, this violates my privacy per US congress consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-05-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The bluebird closed my account, but my money still in it. will not allow my to access my fund and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had an account with Bank of America for about 10 years. In those 10 years I cant tell you the number of times Bank of America has purposefully posted transactions to make me overdraw so they can charge me a fee. I was part of the class action law suit years ago but for some reason I continue to bank with them. This past Sunday XX/XX/XXXX I was overdrawn by {$6.00}. I do not drive and the bank is across town. I was told if I do a mobile deposit for {$7.00} it would bring my account current and avoid overdraft because nothing is processed until Monday. Which I did. Monday morning my account didnt have an overdraft fee so I assumed I was good. Monday night I received another deposit of {$400.00} to my account. To my surprise, Tuesday morning XX/XX/XXXX, I was also charged {$35.00} for an overdraft which should have been covered by the check I deposited Sunday as advised. Even if that hadnt cleared, the {$400.00} Monday night should have covered it. Bank of America is still lining up transactions in a way that debits before it deposits so they can charge you a fee. I called the company and sat on hold for over 30 minuets while they played a recording that still waiting for a manager XXXX XXXX, hopefully it wont be too much longer which I could tell was a recording and not even a live person. I was placed on hold and left on hold with no intention of a manager picking up. Bank of America apparently didnt learn after they were sued not to do this to people anymore.

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 2023-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief