BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I went on Experian 's website in order to view my credit report. when I logged on I was directed to a page that indicated that I needed to unlock my daily Fico score. So, I called Experian and was able to speak with a representative but as I began to explain my issue to the representative I was disconnected. Once I was disconnected I called back making attempts to speak with a representative, which never happened. Each day there after, including today I tried calling, emailing to no avail. Whenever, I called I was only able to communicate with the automated responses which never aided me in getting access to my credit report. I also requested my login information and was informed by the automated response that my login information would be sent to my email address which never occurred. As of today I am still unable to retrieve my credit report, my login information or email response to my direct inquiry to Experian. Please, I would greatly appreciate assistance in receiving my credit report from Experian.

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 2019-05-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked XXXX to place personal fraud statements on the account or send them to other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

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 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ASG Solutions LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
ASG llc say my fiance owes a payday loan for XXXX. And if he doesn't pay by credit card over the phone they are going to put a stop registration on our vehicle with the county we live in. They keep changing the amount owed and they had our licenses plate on file. They keep calling me and not him.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello Consumer Finance. 

Tried to purchase some cigars from XXXX XXXX XXXX for {$520.00}, and some shirts from XXXX XXXX for {$450.00} last Saturday XXXX and pay for them with our Capital One BUY POWER CARD Master Card. 

Both Transactions were declined for payment. Was rather embarrassing as both my wife and I have excellent FICO Scores, and, always try to pay off all balances monthly. 

Called the XXXX and spoke to the robot, admitted to making both purchases, and went back to purchase both carts as the fraud alert had been removed. 

Tried XXXX again, and was declined. XXXX XXXX  transactions had went through but, most of the items that had been on sale had magically returned to their non sale pricing. 

Called XXXX again, and spoke with a XXXX, who was in the XXXX and asked, Why did you block my purchases due to suspected fraud activity? He indicated that he would try and get the block removed and if he could place me on hold for 2 minutes, to which told him no, and hung up. 

Tried again unsuccessfully to purchase my cart items at XXXX and called back and spoke with a Supervisor XXXX who ended up stating that they could not identify me and that I needed to prove my identity, would need to provide a mobile cell phone number that they could send a 6 digit pin to that I would respond with. 
Was so agitated and frustrated. 

Tried to use my wife 's credit card to purchase my cigars, which are only on sale for XXXX 's Day, and, whoever, blocked her card, or, the transaction as well. 

Thought it might have been dollar amount related, so tried to purchase a smaller amount of cigars at XXXX, with my card, and was denied also. 

Sent a complaint to MasterCard, and would like to enclose their response, as well as the XXXX 's response regarding this issue to you. 

Again, so frustrating that they feel that they have a right to prohibit a purchase for a lousey +_ {$500.00} dollars. Why? This is what we would like resolved if you are able. 

The experience has forced us to seek another credit card company, and hopefully, one that treats us with appreciation instead of oppression. 

Thank you for your time, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-13
Company: Experian Information Solutions 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reviewed a copy of my credit report and notice that Portfolio Recovery Assoc. is reporting a collection account with a balance of {$4400.00}. Portfolio Recovery Assoc, has violated FDCPA rules and regulations by failing to produce me a written debt validation notice that includes amount of the debt, name of creditor, and notice of consumer 's right to dispute the debt within 30 days ( see 15 U.S.C 1692g ( a ) )  What obligation do I have to Portfolio Recovery Assoc.? I have no written contract with Portfolio Recovery Assoc. nor have I received benefits from them, yet they have furnished information to the credit bureaus against my name and social security number demanding I pay {$4.00}, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2

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 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had applied for a XXXX account a few months ago. Upon checking my credit report with transunion it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2

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 2019-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my credit cards from Capital One. Capital One accepted one credit card payment and applied the payment but has not applied the second payment. I called and asked why they had not applied the payment and Capital One told me that I had a reversed transaction and they would have to call my bank and verify the funds. I told them the same payment that was applied on the first credit card came from the same bank and funds are valid!!! Capital one has not applied my payment to my second credit card and I am still wondering why?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Shellpoint Partners, LLC
State: RI
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:
Shellpoint Mortgage servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that Shellpoint over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund Shellpoint any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Securus J Holdings, LLC
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to send {$25.00} to someone through their service on XX/XX/2019. They charged {$6.00} for their fee. The person never received it. I called them and they told me to wait a little longer it was still pending and it was my banks issue. I waited longer and it still did not go through. I called again and a new representative said it was a known issue and needed to be canceled and refunded to me and I would need to start over. They cancelled it, and I never received the money back in my account. They said it was my bank. I contacted my bank several times and XXXX XXXX said no money was ever refunded to my account. XXXX XXXX sent a letter saying they investigated the issue and JPay never refunded any money back to me. JPay has not responded to my complaints or emails. I want my money back. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX. 
XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX. 
Because of Covid I wanted to do this transfer online in the comfort of my home. 
When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title. 
I never received the original title in the mail as they had promised. 
I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling. 
Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents. 
I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide. 
What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX  shadow bank. 
Enclosed some of the evidence I gathered and will be happy to share more if needed. 
Yours truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: NCC Business Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NCC Business Services continues to report and is actively trying to collect on a rental contract agreement that was not assumed in my discharged bankruptcy fromXX/XX/XXXX. The rental contract is void as any contracts and leases I had at time of filing were not assumed and were discharged. Any amounts owed in rental lease I singed I am not responsible for. This company has reported these amounts owed from the contract on my credit report. They were contacted XX/XX/XXXX with documentation not remove from my credit report. They have not been respondant after the pass of a 30 day investigation. They are causing harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

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 2017-06-26
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:
Dear Sirs, I need your assistance after several attempts to have XXXX XXXX and Experian to remove a derogatory account off my Credit Report. the account is with XXXX XXXX XXXXThe Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with XXXX  XXXXand Experian. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the informationXX/XX/XXXX,  XX/XX/XXXXXX/XX/XXXX. Hope you can be of assistance. Thank You

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 2021-10-13
Company: EQUIFAX, INC.
State: UT
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:
I am SO frustrated with the credit bureaus having missing or incorrect information My Equifax credit score DROPPED 15 points and the only changes documented were 2 accounts that had significant balances paid down which should have helped! Not dropped my score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One closed my XXXX XXXX on XX/XX/2019 without any notice.This caused a lot of inconvenience to me as this was the primary card that I was using.This card carried an annual fee which they haven't refunded me.Also, a few months ago a merchant refunded me a concert ticket ( {$100.00} ). Capital One has refused to send me a check.

Company response to consumer: Closed with explanation