BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-13
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: Old information reappears or never goes away

Complaint:
I recently won suit against XXXX XXXX XXXX XXXX for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX XXXX XXXX XXXX # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with TransUnion back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.

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 2020-09-01
Company: Phoenix Financial Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX  and XXXX  they concluding the account are valid and they do not change or modify my report. 
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called XXXX  fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling XXXX  have a great day and hand up the phone on me. 
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavitis to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-11-26
Company: EQUIFAX, INC.
State: IL
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 have on several occasions sent certified letters in XX/XX/2020 til this day XX/XX/2020 which include my ID and SS card. Equifax has not removed these inquiries for which i have no account and do not recognized. so i call XX/XX/2020 and their customer service would not help and take care of the negative inquiries reporting to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a {$25.00} a month XXXX XXXX payment being deducted automatically from my Social Security XXXX. In XXXX of XXXX I got a letter from NYS XXXX XXXX   Processing stating that my child support was in arrears. I immediately contacted them via their website and stated that there must be an error as my child support was automatically deducted from my S.S. XXXX for a long time. I sent a copy of the Social Security Document to prove the deduction. XXXX XXXX then ordered Social Security to deduct {$37.00} from my account because of the arrears, which they did for a number of months. I was still getting threatening arrears notices and even a threat to have my Driver 's License suspended for non-payment of child support. I continued to make contact with the office in XXXX XXXX, NY, Ms. XXXX, to get the error corrected. This went on for months and finally in XXXX of XXXX XXXX XXXX Processing found out that they misplaced the funds. Eventually the {$87.00} overage that they took from me was sent back to me at my request. I had asked way back in XXXX to make sure my credit report was not affected by their errors and to correct everything. They never corrected the credit reporting. On XX/XX/XXXX I was reviewing my XXXX and Transunion credit reports and saw that the account was closed with a " Paid Collections '' status and had that it was in collections in XXXX of XXXX. I contacted Transunion and XXXX to get this corrected. Both companies stated that the reporting was accurate and did not take the " Collections " status off of the report from XXXX of XXXX. I contacted MsXXXX XXXX with XXXX County XXXX XXXX Enforcement via the same string of e-mails used to document the history to get this corrected and she still has not gotten back to me via phone nor email.

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 2020-10-21
Company: The Bureaus, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am just a lonely consumer trying to make through this COVID-19 pandemic. I have spoken to the a representative at the FTC. They told me that The Bureaus Inc who is trying to collect a debt on the behalf or XXXX XXXX  is abusing there power. 
This why this month the FTC, State, and Federal Law Enforcement Partners Annouced a Nationwide Crackdown on Abusives Debt Collection Companies.

So, I sent out a ceritified letter to The Bureaus on XX/XX/2020 and they signed for it on XX/XX/2020 ( I have attached the letter and certified return signature receipt ). Yes, they reply attaching a binde

r of 80 pages but they have not provide me with all of the following : This letter is sent because of what is on my recent credit report. Be advised that this is not a refusal to pay, but a notice sentpursuant to  the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to theabove named Title and Section. I respectfully request that your offices provid
e me with " VALIDATION '' competent evidencebearing my signature that I have any legal obligation to pay you.

Please provide me with the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you sa
y I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent The FTC said that most of these collection companies or not even listed to collect in my state and don't have license number or registered agent. They are broking the law if all these items are not answered.

They don't also don't have the right amount according to the last credit  report on XX/XX/2020 they are still in non-complaint according to the FD

CPA ,15 USC 1692g Sec.809 ( b ). The CRA are broking the law also by letting the The Bureaus report this on my credit report according to FCRA, Section 609 ( a ) ( 1 ), they are required by federal law to vertify-through the physical verification o the original signed consumer contract any and all accounts post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. So, I am not only asking for validation of my signature but does your company have any right to collect in my state if so proved proof and the license numbers and Registed Agent. All those questions have to answered or please have all the CRA you are reporting this delete this accou
nt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Debt Recovery Solutions, LLC
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: Information belongs to someone else

Complaint:
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Information belongs to someone else

Complaint:
Hi, This is a complaint after I tried to reach Transunion and placed a fraud alert on my credit i found much activity on my credit from XX/XX/2019 to XX/XX/2019 and i didn't notify or applied for anything, see much Unautorized inquiry left on my credit

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 2019-08-10
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: Account information incorrect

Complaint:
XXXX, XXXX and Equifax continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: HYUNDAI CAPITAL AMERICA
State: HI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car that I have was a lease. I leased the car in XXXX  and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX. 

They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX  or a limited power of attorney to register the car in the state of 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 2019-08-10
Company: EOS 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: Information belongs to someone else

Complaint:
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing a CFPB Complaint against Santander Bank for {$3600.00} of unauthorized fraudulent transactions from my bank account. My card has been lost and there were 4 transactions of {$680.00}, {$1300.00}, {$1100.00} from XXXX and {$420.00} from XXXX XXXX. I have contacted Santander Bank immediately when noticed of these unauthorized charges and have filed a fraudulent claim. On XX/XX/XXXX, I was informed the claim has been denied and my account has been blocked. I have refiled the claim multiple times and on XX/XX/XXXX, I was told it was denied again. These transactions occurred as I was out of country and were not authorized by me. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Santander Bank has sent me a new card around early XXXX but I was not able to access it since I was out of the country. Around late XXXX, there were 4 transactions that went through - Since I was out of the country, there was no way for me to get a hold of my card or access it. Santander Bank has failed to properly investigate and recover my funds. I have reached out to the merchant XXXX and XXXX XXXX  I was informed by both merchants that fraudulent activity occurred so therefore I would need to contact my bank. Due to fraud, I was informed that this must be handled through the bank but Santander Bank has denied my CLAIM ( # XXXX ) again. Santander Bank has not contacted the merchant to resolve this claim and both merchants confirmed they have NOT been contacted to resolve this matter and are still waiting to hear from them. Santander Bank has failed to investigate this serious matter and has closed off my account which I no longer have access to. 

On XX/XX/XXXX, my claim was denied again so I have contacted the merchants to resolve this matter on my own BUT they have noted because Santander Bank has closed down my account, the funds will not go through. They have both stated I must go through the bank for the unauthorized charges but Santander Bank has DENIED my claim and also CLOSED DOWN MY ACCOUNT without my consent or no prior communication. 

Santander Bank has closed down my account, failed to protect and is liable for these charges.

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 2019-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Capital One to stop the harassing calls a couple of times now, but the calls continue. I saw 4 calls on my call blocker between XXXX and XXXX just this evening and 3 other calls earlier today. While I do owe on an account, I can not pay it as Im on permanent Social Security XXXX. I can back this up. My husband is permanently retired and on Social Security. Our income dropped when he left work. I told Capital One to stop harassment and collections as we cant pay and to take us to court would be useless. They legally can not do garnishment on ss income and we know our rights under Fair Debt Collection Practices Act. They are violating federal law with the harassing calls. They better stop. Just leave us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called and chatted on multiple occasions. Most recent interaction XX/XX//2020. I was issued a credit due to a dispute. I received confirmation the dispute was resolved in my favor. Credit Card refusing to refund my money.

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 2020-09-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm desperately trying to get my investigation results. I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.

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 2021-11-01
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal sent {$120.00} ( {$120.00} ) with fees to XXXX XXXX. Which was a unauthorized transaction. I tried to ask XXXX for it back. She said she never received. Then paypal denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 capital one auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote XXXX XXXX XXXX a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under us 1681 ( b ) a person shall not use or use a consumer report for any purpose unless-the consumer report is obtained for the purpose for which the consumer is authorized to be furnished under section ( 2 ) the purpose is certified in accordance to section 1681 ... I have e not initiated an account with capital one auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Coast to Coast Financial Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have started since more than 30 days ago to get the   XXXX   credit reporting agencies  XXXX .. XXXX  AND  XXXX  to up dated their records regarding to certain accounts. and collections listed as paided and showing that they are.. and to this day they are not correct..
.. COAST TO COAST FINANCIAL.. PAIDED IN FULL..2.  XXXX   XXXX   XXXX  /CREDIT CARD..INCORRECT BALANCE.. XXXX  ... 3 ...   XXXX   XXXX   XXXX  .NOT PAST DUE INCORRECT BALANCE.4.  XXXX   XXXX   CREDIT CARD..INCORRECT BALANCE.4   XXXX   XXXX   XXXX   .. INCORRECT BALANCE. 5. S  XXXX   XXXX   PAIDED IN FULL..

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