BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear USAA, my name is XXXX XXXX XXXX. I am a victim of identity theft. In 2012, I lived in XXXX XXXX and my personal information was compromised. Someone opened or tried to establish a relationship with the institution without my consent. I did not authorize this action. When I did try to start an account with the institution I was informed of this situation. There is a notice on my profile not to open any accounts in my name. I would like for that restriction to be lifted. My social is XXXX. I also recently filed for bankruptcy. As a safety precaution, I listed USAA as a debt. I will include the bankruptcy filing. Also I will include the police report and my ID and social.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have spoken with multiple reps at experian about their reporting of inaccurate information that they have reporting on my credit report. They are beyond difficult working with. On XX/XX/2020 I spoke with a representative to dispute a few accounts and some addresses that they were reporting on my file that I never even heard of. They notified me that they were not able to remove the address because a creditor reported that address with an account that also didnt belong to me. I notified them of that account as well and it was disputed. Experian will not remove the address even though I have told them it was not mine. I even spoke with the company that reported it and they couldn't give me any information on one of the accounts. The second company had my actual address and didnt know anything about the address either. Yet experian refuses to remove this incorrect information from my credit report regardless if I'm telling them that I have never been associated with the information. I have already been told that my file was a crossed file with someone else and there is a note in my file that says so. I feel that my rights are being violated and from my knowledge that would be a violation under fcra 616 and 617.

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 2017-12-11
Company: Performance Settlement, LLC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: AL
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 unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: DEBT 0, INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XXXX  the agency XXXX XXXX offered me a contract in which the agency negotiates with my creditors to repay my debt and rebuild my credit. We reached an agreement in XX/XX/2015 in which XXXX XXXX charged automatic monthly payments of {$350.00} using my checking account. The term agreed was 54 months for a total of {$19000.00}. 
The accounts they agreed to pay off were the following : XXXX XXXX - {$9700.00} XXXX XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} Total = {$26000.00} Although the terms of payments have lapsed and payments were paid in full as agreed, the agency XXXX XXXX has failed to fulfil their agreement of paying the accounts to restore my credit history. Recent credit reports indicate that the largest accounts have not been paid. I have contacted them in numerous occasions and spoken with one of their representatives. In the past the representative indicated that the debt payment is being handled and offered an option to extend my contract to a longer term. Since I had did not have the need for it, I did not extend the contract further but fulfilled all the agreed payments. Since contract term have lapsed and the debt is still showing on my credit report I have made numerous attempts to contact the representative again. However, I do not get a response or I am informed that the representative is on another call or unviable. I left my contact information for a call back numerous times by the representative who was handling my case but I never get called back.

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 2019-10-30
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred from XXXX XXXX XXXX to Fay Servicing earlier this month. I was notified by letter dated the XX/XX/15 that I no longer needed my condo insurance policy on my loan but a payment was disbursed from my escrow to the insurer to prevent a lapse in coverage. 

I was directed to call a number XXXX in the letter if I had any questions. The customer service representative I spoke to could not answer how much or whether a escrow payment was made to the insurance company. He wrongly stated that my insurance policy was with XXXX XXXX ( it is with XXXX XXXX ) and could not answer what if any coverage I need to maintain for my loan. XXXX XXXX has no record of any payment being received so far and the policy is in arrears. 

He also could not give me a direct phone number to contact the escrow/insurance department and said that they can only be contacted by fax. I find all this to be unacceptable for a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is no record of me ever living at this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet there is an eviction filed in my name and reporting to my renters history. The management company and the actual property has no record of me ever living there.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-17
Company: Aargon Agency, Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020, I have sent my two dispute letters certified to 1. XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX & 2. XXXX  XXXX XXXX XXXX same address : XXXX XXXX XXXX XXXX XXXX, NV XXXX both certified letters return its original envelope with the certified posted unsigned or stamp on it. I believe this case must be an inaccurate address on my XXXX XXXX Credit Report. I have XXXX the Address above and turn out to be AARGON COLLECTION AGENCY. This is a violation of FCRA.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
After 13 years of being divorced, my ex-husband finally refinanced the HELOC loan for his house that we once shared. This XXXX XXXX HELOC loan was paid off ( refinanced out of my name into a new loan in just his name ) on XX/XX/19. XXXX XXXX will not report this loan as being paid off/closed. XXXX XXXX continues to report it as an open account on both of our credit reports that is being paid as expected. I have sent 4 credit  disputes through Transunion with the latest being XX/XX/XXXX. Each dispute comes back as being reported correctly. I have the satisfaction of mortgage proving this was paid off but, XXXX XXXX insists on reporting it incorrectly. I have called XXXX XXXX 3 times and have filed disputes with their own credit department to no avail. PLEASE HELP. THIS IS RIDICULOUS

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 2023-02-09
Company: ROBINHOOD MARKETS INC.
State: NC
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 SIM card was hacked XXXX. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my Robinhood account, XXXX account, After pay account, XXXX  account, XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also use my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. I been with XXXX for almost 9 years, I want to move to a different carrier/port my number asap ( XXXXXXXX  needs to pay my phone off because this was not my fault at all ) and to be compensated for the damages and pain and suffering. Im trying to buy a home and this is effecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: M&T BANK CORPORATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$150.00} to my son through XXXX. He never received the money even though it was taken out of my account. I called M and T. They said call XXXX. Called XXXX. They said talk to bank.

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 2023-05-18
Company: EQUIFAX, INC.
State: SC
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove them, 1. XXXX Date of Inquiry XX/XX/ 2. XXXX XXXX Date of Inquiry XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 4. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 5. XXXX  Date of Inquiry XX/XX/ I did not consent to, or authorize nor benefit from any of the following account. Block and remove it, XXXX XXXX XXXX XXXX Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: GA
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:
Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Equifax 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 2021-09-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have disputed incorrect late payments and incorrect names to XXXX, Equifax, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have disputed incorrect late payments and incorrect names to XXXX, XXXX, and Transunion. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.

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 2021-02-13
Company: CITIBANK, N.A.
State: OH
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 made a purchase from furniture store on XX/XX/20 Called XXXX XXXX XXXX. The furniture store has been delaying delivery and putting off things since last year. The store finally delivered part of the furniture but not the other furniture I bought from. The store has charged me XXXX and delivered me a furniture of worth of XXXX so I still have outstanding balance with the store for about XXXX dollars. I have talked to the store multiple time and asked them to refund they are not answering. They blocked my number. They are not responding to my emails. 
I spoke to XXXX card seeking their help but they said they can not do anything becuase the purchase has been for more than 120 days. Well because of the pandemic and everything going on the merchandise has putting things off. I tried to file dispute they will not allow me. I called them and they refused to help me

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 HSBC bank collection accounts appear in my credit bureau. They state that in XX/XX/2019 these accounts under my name have a balance receivable. I never had a balance in these accounts. These charges were made fraudulently by someone who stole my identity. On this date I was traveling outside the United States for a family emergency. XXXX attached my identity theft report to them and they ignored it. They sold this account to another collection company and at the same time they maintain the same balance in my credit bureau. 

It is unacceptable that if this account has already been sold to a collection agency, the HSBC Bank account continues in my credit bureau. The account that should be there is that of the collection company to which XXXX sold the debt for me so that I can also claim the closure of this account from them.I will re-attach my identity theft report. 

Company to which they sold my debt. But you are the ones who update this in my credit bureau, not the company in question Company sold XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Recovery Ace Inc
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a request for verification nor proof of my mailing address, but a request for validation made under the above name title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

- Please provide me with the following : The name and address of the original creditor, the account number, and the amount owed. 
- Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
- Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
- Please also note whether this debt is within the statute of limitations and how that was determined. 
- Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation