BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my 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 2018-04-24
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Utilized my free credit report with TransUnion, however they ended up billing my Credit Card for a monthly service ( {$24.00} ) I have no intention of using and did not sign up for. 

I have no account with them to sign in with and cancel the services myself.

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, XXXX  and TransUnion have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.

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 2021-05-04
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I fell into unemployment like many Americans in XXXX. Since XXXX of XXXX Key bank has put a hold on my account. Key bank keeps telling me that the issue is with the Dept of Labor. The supervisor at the Labor Department informed me that there is no hold and I believe them because Dept of Labor is adding funds weekly to my Key bank account. As of todays date Key bank is holding {$5900.00}. Dept of Labor cant do nothing else to retrieve my funds from key bank because the error is not on their end. I call key bank daily and after the XXXX outreach and hours of hold, the customer service rep at Key bank hung up the phone on me. I am beyond frustrated because for the last 3 months Ive receiving the runaround from Key. I have never been without employment, since COVID-19 I was forced out of work. Key bank is running a scam on people affect by this pandemic and there appears to be no check and balances on key bank practices. I can only imagine that they are doing the same to how many more people. They are taking unemployment money that have been defaulted to them via unemployment and not sending it to the people in need. Ive run out of options and this is my last recourse to get my much-needed money from key bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my 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 2018-12-12
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt in full with the original owner, XXXX XXXX and they agreed it would be taken off my report. However there is a company that is still reporting this debt on my report and they refuse to remove it, even though the original debt owner agreed to remove this. 

Original owner that I didn't know I owed was XXXX XXXX, they have been paid in full once I knew I owed them any money. 

The debt reporting company is named FAIR COLLECTIONS AND OUT XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I asked them multiple times to remove this, they say it shows paid but still feel the need to keep a collections record about it for 7 years. They were not owed the debt and have no knowledge of these matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

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 2018-02-01
Company: Experian Information Solutions 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:
On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.

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 2017-11-28
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX BY COAMERICA BANK ACCEPTED XXXX EVERY MONTH ON THE XXXX, IN XX/XX/XXXX-XX/XX/XXXX WAS VIOLATED BY THEFT AND ID THEFT ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Apothaker & Associates, PC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
the complaint against " Apothaker Scian P. C. '' was not if I owed a debt to XXXX. It was not about if XXXX, who they claim to get my debt account from was owed. A complaint was filed due to this company being believed to have falsely gotten & purchased even requested my personal account from XXXX out of retoliation ... I suspect that " Apothaker Scian P. C. '' may have allegelly, got representatives or whomever from XXXX to turn over my account to hem rather as they stated that it was sent to them for XXXX. Again, since when does XXXX take a college student to court for a {$900.00} charge even with interest as little as totaling {$1000.00}? This is unheard of. Not that I wouldn ; t agree to pay or haven't been paying, but, this would have just been put on my credit report. 
So, again, my complaint is to find out if XXXX sent this account I owed to this Apothaker that I owed to XXXX ONLY, or if it was requested. Also, if so, does the legal dept. or XXXX XXXX even know about the hearing they filed for me to attend. Why would XXXX use an attorney from NJ where my mother and me, Miss XXXX XXXX have been having so much politics come against us? How did they get the account. Please, do not take their word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX notified me that they were collecting on an account with capital one. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as 30.60.90 or 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: KS
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:
Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Equifax by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Equifax. 

As of this date, XX/XX/2020, Eqifax has never replied with a response ( 82 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian drop my credit score by 28 point. Im mortgage company sold my account to another company. Other than one new. Credit card account there 's been no changes. How do my score drop 28 point. I believe this is unfair scoring.

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 2018-02-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 reached out to all three major credit bureaus informing them of the errors that they are currently reporting. I am in the process of purchasing a home and was horrified to discover that my information merged with a former roomate. Although at a time we had the same mailing address, I NEVER WAS THE OWNER OF THESE ACCOUNTS. I need them removed immediately. They are causing me distress and impacting the quality of my life. The items that they have been put on notice to remove are as follows :

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 2019-04-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019, I submitted a mobile deposit for {$30.00}. The check was issued by XXXX XXXX XXXX, check number XXXX. After speaking with a represenative on XX/XX/2019, they identified that the check was returned due to XXXX. At which time BBVA Compass initiated a charge back for the dishonored check and charged a Returned Deposit Item Charge of {$15.00}.

My call was to request information as to why the charge back occurred and to obtain written verification of the actions taken on the account regarding the deposited check, charge back and fees associated with the returned item. The letter was to be used as verification of the returned item and fees so that I could collect the {$30.00} fee owed and the returned check charge of {$15.00} from XXXX XXXX. 
While the reason was verbally provided. When asked for a letter from BBVA Compass, the agent advised that I needed to go to a branch to obtain the letter. I explained that I have a full time job starting at XXXX. Then, work business for self in the evenings and weekends, I do not have the time to take off to go to a branch. Expecting to be provided options, I was met with resistance and sarcasm when I asked to submit a complaint. The agent was unprofessional, was not aware of company policy/procedures, did not provide alternatives and generally uncaring.

Company response to consumer: Closed with explanation