BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BBVA Compass advertised a {$200.00} offer for opening a consumer checking account. The offer said to " apply online before XX/XX/XXXX '' and receive a qualifying direct deposit to qualify for the offer. I applied for the account on XX/XX/XXXX but was not approved by the bank until XX/XX/XXXX, and now they refuse to honor the offer because my account was not opened until after XX/XX/XXXX. I do not know why the bank took over two weeks to process my application but it was through no fault of my own, and I do not think it is right that the bank is reneging on their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: National Credit Adjusters, LLC
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 have a loan opened in my name that I did not open. I am assuming my identity was stolen. The collection date is XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
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:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX NA-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 )  XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 )  XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX   XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. Below is  the link to documents for confirming my identity : https : //drive.google.com/open? 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 2020-07-06
Company: Experian Information Solutions 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 pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.

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 2018-02-07
Company: CAC Financial Corp
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I noticed three unauthorized transactions on my WesternUnion account. I called them immediately and they kept transferring me from department to department without initiating any inquiry. There is no process in place for fraud prevention at WesternUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan.  I contacted the lender and we agreed to a settled amount.  I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail.  They refused.  They were only willing to show the debt as paid for less than outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Commercial Acceptance Company
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Union Bank personal and multiple business account customer for about 25 years. 

I normally make our two separate monthly mortgage payments on our two separate properties via Union Bank 's automatic online bill payment program from our personal checking account. Because we were refinancing both of those loans by entering into new mortgage loans, no XXXX mortgage payments were due. 

So on XX/XX/XXXX I went to the Union Bank online bill payment program to delete both of those " old '' automatic mortgage loan payments that would otherwise be made on XX/XX/XXXX. However, when I tried to do so, I found that they showed to be " In Process '' and I therefore could not delete them. 

On XX/XX/XXXX I contacted Union Bank customer service by phone. Initially, I was assured that they would just stop those payment checks from being sent out since they were still " In Process ''. But after spending almost three hours on the phone, I was told that they actually could not stop the checks from being mailed out. Instead, they would stop payment on both checks, assuring me that those checks ABSOLUTELY COULD NOT BE CASHED AND WOULD NOT BE PAID. I then told the agent that I wanted to receive confirmation of that IN WRITING. Although they tried to avoid doing so, they finally agreed. 

On XX/XX/XXXX I received an email from another individual at Union Bank confirming that the stop payment orders had been issued on both checks, and that " these items are unable to be cashed ''. 

On XX/XX/XXXX, despite assurances to the contrary, Union Bank PAID BOTH CHECKS BY WITHDRAWING NEARLY {$3500.00} FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, AND WITH MY SPECIFIC INSTRUCTIONS TO NOT DO SO. 

I immediately contacted customer service again and accomplished nothing. I then contacted the branch manager who tried to get things resolved, but was only able to escalate the case to the " Office of the President ''. It is now XX/XX/XXXX, I have spoken to a person from the " Office of the President '' myself, and STILL nothing has been accomplished and they still have not credited the funds back to my account.

In my opinion, Union Bank has STOLEN {$3500.00} from my account, AND I WANT MY MONEY BACK IMMEDIATELY!!! Further, they should be criminally prosecuted for their theft of funds from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-10-15
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I initiated a dispute with Simple bank for {$13000.00} and the dispute was denied as I had filed it improperly, so upon the banks recommendation I reached out to the merchant to settle. Upon the merchant telling me take it up with your bank I refilled the dispute on XX/XX/XXXX. For three months not one member of the disputes team reached out to me, I tried to call multiple times and was left on hold for over an hour having to eventually end the cal each time without speaking to an individual, and sent numerous support messages that werent responded to for sometimes weeks. I provided Simple with a police report proving an identity theft had occurred and a signed affidavit that the charges were not made by me. On XX/XX/XXXX I was informed that my dispute would not be accepted and my funds not returned. I am filing a complaint to hopefully return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions 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:
I do not know where the third party is coming. Why do I need to send an authorization to Experian? I personally file the first complaint and dispute MYSELF. Can you please tell me where the XXXX you are getting your information from? I will NOT call them since I have already file a dispute in XXXX of 2020 and a complaint XXXX of this year. SERIOULSY!!!! this is ridiculous that I have to go thru AGAIN and spend my time redoing XXXX I have already done all because they don't want to do their jobs. I will attached a copy my of SSN and License so you know it me and I wont have to go threw again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: United Consumers Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to contact the company on XX/XX/2020 about the account in collections and they did not have anyone available that day to take my call This company is attempting to collect a debt for a medical expense that was paid by the insurance all-ready The only thing I was required to pay was a copay which I paid for in office.This company is attempting to collect {$220.00} for a service that was allready paid for by insurance over a year ago I disputed this on my XXXX XXXX and it was removed this company failed to remove it from the XXXX XXXX credit report.What this company is doing is fraud and if this debt is not removed I will take legal action for all the pain and suffering this company has cause me it has caused me to become extremely anxious and stressed and I can not sleep at night due to this companys actions this company is breaking the law. This is an invalid debt they have put in collections on my credit report I have reported this to the XXXX XXXX and disputed with the XXXX XXXX and it was removed they have yet to update XXXX  and have not removed the invalid account off my XXXX  which is illegal in Florida.remove the account off of my XXXX  credit or I promise I will Pursue legal action against this company please advise them of this.This was a for a doctor I saw but my insurance covered it and I had valid insurance at the time this was over a year ago I saw this doctor my medical insurance covered the cost of this and I paid my copay.They have allready removed it from the XXXX XXXX which is an admit that this is invalid and proves that this company attempted to charge me for something that was allready paid for which is fraud.Please remove or I will sue! 
I have allready contacted XXXX  and submitted dispute aswell. 
The company has admited that this was a mistake as they have removed the collection account off of my XXXX XXXX yet the have failed to follow laws and remove it off of XXXX  Also they have yet no notify me verbally or write to me to inform me of this debt

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 2021-08-08
Company: EQUIFAX, INC.
State: MN
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've noticed a 17 point drop of my Fico score with Equifax on XX/XX/21 not given an clear explanation to what cause the drop. I'm not happy with this drop and will like for this to be further investigated!

Please resolve.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was sent a refund check by Citi Card Add-On Remediation dated XX/XX/2018 in the amount of {$730.00}. I did not take it to the bank immediately and forgot all about it until I was going through some papers while on quarantine. I did not cash the check and it expired after 180 days. I immediately called the number on the back of the letter, XXXX, which is no longer in service. I then called XXXX several days in a row and was literally on hold for hours each time. On XX/XX/XXXX I sent @ Citi a tweet and got a quick response. I explained that I would like to be reissued the check. I also attached a picture of the check as well as the letter. I was told to check with unclaimed funds ( I did and it was not submitted ). I was then provided the XXXX number again and I called. I spoke with both an associate and a supervisor and was told by the associate that I would have to contact the company that issued the check. Citi did issue the check. The supervisor told me that if I did not have an open account, they could not 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 explanation
Consumer complaint received 2021-01-28
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: Their investigation did not fix an error on your report

Complaint:
On or around XXXX of 2019 I submitted documents to both Experian and XXXX  regarding a bankruptcy being reported to my credit. I submitted proof from the Circuit Courts they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX  and XXXX  sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.

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 2019-03-15
Company: VANDERBILT MORTGAGE & FINANCE, 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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2018-07-17
Company: PNC Bank N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/XXXX i noticed 2 purchases on my pnc card i did not make i was not in NJ, do not go to those stores and my card was at home locked up while i was in texas i called on 7-8 and to this minute the charges still appear on my card ending XXXX  in amounts that are clearly suspicious please get back to remove them i am not paying them i did not make purchases. i am tired of red tape

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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 information in the attachments with no Creditors how can I legally pay for something or be obligated when I don't know who it is!? 
FRCA violations : see below and attachments :

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 2020-07-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am having an issue with paypal that is blocking my money and closing my account for no reason. They don't even want to let me access my money until 6 months. I had no warning nothing! They just limited it all the time and block my money which is around now {$10.00}. I want my money now not in 6 months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: PRANCER CAPITAL CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to PRANCER CAPITAL CORP to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: MN
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:
It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation. 
- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address. 
All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted 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 non-monetary relief