BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.

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 2020-01-20
Company: CITIBANK, N.A.
State: AL
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:
Citibank is reporting a fraudulent credit card on my credit report linked to an address in which I have never lived.

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 2017-12-02
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:
TransUnion has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX/XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX/XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. 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 2017-12-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a Checking and Savings account with Santander bank in the beginning of XX/XX/2016. I ordered several books of checks through the bank for {$17.00} when I opened the account. About a week later I got materials from the bank associated with my new accounts in the mail : a welcome package, a debit card, and the books of checks. They misprinted my name on all of these documents by including my name 's suffix before, not after, my last name. For example, XXXX XXXX XXXX instead of XXXX XXXX XXXX . 

I could not use the checks I received because they did not legally have my name on them. I emailed Santander about the misprinted checks. After a few days of no answer I bought checks from a third party. A few days later they replied : " You may return a box of checks that you ordered through Santander Bank to any conveniently located branch. If all of the checks are unused, you will receive a full refund of the amount you paid towards the cost of the checks. '' I had already called Santander 's customer service department and talked with them a representative who fixed my name in their system and sent me a new debit card which had my correct name. So the only thing left to do was return the checks to my local branch which I did. I handed over the checks and talked with one of the employees about my {$17.00} refund who said that he would talk with the representative who opened my account and get me my refund. 

After a few weeks of not seeing a refund in my account I emailed the representative who opened my account, no response. I emailed again few months later and no response. I still have n't been reimbursed for my checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: WA
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 signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my equifax report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX just posted XXXX XXXX XXXXXXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-02
Company: EQUIFAX, 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:
Equifax has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: HYUNDAI CAPITAL AMERICA
State: UT
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 filed a dispute with the credit agencies about kia reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with kia ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy kia failed to file these claim by the bankruptcy dead line so they are not getting paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 from the attached credit report. ) This account is being coded as an XXXX when actually this needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-03-23
Company: Coinbase, Inc.
State: MA
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 have been locked out of my account for almost 2 months now. I am unable to reach anyone to resolve this issue. I need access to my account to get transaction information so that I can file my taxes. I have called the customer service number repeatedly. They take down my information and then tell me my request has been escalated. However, the service people say that they have no information on the status of the issue and can only communicate with the technical support staff via email.

I have also emailed numerous times. Now, they no longer respond to emails, but refer you to an application where you can submit your service request. When I access that, I need to be able to access my account to submit my request to get the problem resolved ... .so it is a dead e

nd. I got an email response from a guy abo ut 2 weeks ago, saying he was sorry for the slow response and he would immediately address my issue. However, nothing has come of that and he does not respond to further requests for help. Again, at a minimum I need an acco unt transaction summary for XX/XX/XXXX... I can not file my federal taxes without it. I have contacted the Company both in writing ( email ) and by phone on the following dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX - no action to date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX  they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.

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 2020-05-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX should not be reporting a collection on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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:
In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX XXXX  several times letting them know that the account was opened in my name but not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: WELLS FARGO & COMPANY
State: NC
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:
XX/XX/XXXX My credit card was stolen from the XXXX in XXXX, XXXX on XXXX XXXX. I called and reported my credit card as stolen and the charges made as fraudulent that night. I was told that the credit card would be refunded of the money within 10 business days, typically sooner. The fradulent charges are for the following amounts : QT XXXX - {$20.00} QT XXXX - {$10.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX - {$1.00} XXXX XXXX XXXX - {$9.00} XX/XX/XXXX I went in person into Wells Fargo at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX around XXXX and spoke to a teller. I relayed the information about the credit card to the banker to ensure the account had been cancelled. I was assured it had been ; I again noted the charges that were made on the account. I also got a new debit card at this point ; the debit card is not related to the charges. 
XXXX I called in to Wells Fargo and was told the fraud charges were not marked. This after being told on the phone and in person that the charges were marked as fraud and would be refunded. I summarily closed the credit card account and paid the balance. 

I am unable to get an answer from Wells Fargo as to whether the charges will be refunded now since the card has been closed and I no longer have a Wells Fargo account. I find this unacceptable ; Wells Fargo has said it will take an additional 10 days to process, despite the mistake not being my own. Additionally, they are unable to guarantee that the fraudulent funds will be returned to me after my conversations ; only that they will process the return into an account that is no longer active.

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 2017-12-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe I already paid off my medical expenses to XXXX XXXX XXXX XXXX XXXX on XXXX in XXXX Texas. In fact I was confused when paying initially months ago because I was apparently being billed by Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  PA XXXX, XXXX for the XXXX XXXX XXXX XXXX which I do not recall receiving a bill from. 

Needless to say I was skeptical at that time because I never recalled hearing of this company, and XXXX XXXX XXXX XXXX ( XXXX ) never informed me about expecting them to bill me on their behalf. At that time I checked the information on the statement, talked to representatives at both XXXX and Transworld and believed I did sufficient homework to reconcile the charges and they appeared to be legitimate. So I payed the amount and later received a notice from Transworld that I over paid and I believe they sent me a riembursement check. 

Now months later I am getting statements from Transworld again wanting to collect over {$1000.00} without any explanation. I believe I already paid what was due previously in good faith and they are trying to take advantage of me. 

I work long hard hours and I believe they know most people are strapped for time and are too stretched to research ( all over again ) and they hope people will just pay. 

Frankly, I do n't trust them and I am very stretched for time. 
I am willing to pay legitimate charges for sure, but how do I know this billing is legitimate? Its been a while and no one from the hospital has contacted me, and there is scant evidence on the Transworld Statement to even begin to believe the charges. 

There 's no history of past payment so I can not tell if they have done their homework and know if they are trying to charge me for the same service I already paid for. 

I need some help! They need to show me why I owe anyone money. If I sent them a statement out of blue, or to anyone for any reason, why would any rational person or business expect a payment for something that had no explanation for a service that supposedly occurred in the past that you barely recollect and believe you already paid for. This is insane?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
As We stated, the GAP coverage was through a third party and we needed documents from BBVA to submit to the Third Party to process the GAP coverage claim. BBVA failed to provide those documents. Why are they still saying that I inquired about GAP coverage through them? Why to date that have not provided the information I requested? This is unbelievable. This file was closed based on a stupid response from BBVA. I advised the reason for my complaint and it still hasn't been fulfilled. This is unbelievable. I had outlined the items that was needed to " PROCESS ' the " GAP '' coverage through the " Third Party '' in my initial complaint, but I see that it wasn't even addressed! Since then! Can someone please help me! I'm being bamboozled here and no one is doing anything about it. Why? Why? Why hasn't BBVA sent the forms that I needed to have the other company process the GAP! Proof of purchase, Manufacturer 's agreement, Bill of Sale, and a copy of the Cancelled check? This is what I asked for and got nothing but a closed response. I have tons of emails with no replies and out of this entire process, I was only able to speak with BBVA when they were trying to secure the check from the insurance  company. I've gone to the bank multiple times and sent emails, but to no avail. This is preposterous and unbelievable! Please call me XXXX or my wife XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: TX
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 have paid the debt with the original credit with XXXX/XXXX  service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. Equifax does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 signed up for extra protection on my account. If anyone attempt to pull my information due to obtaining any credit, it needs to be verified through me with my phone number. I noticed after checking my credit report that there is still fraudulent inquiries on my report. My identity was in jeopardy about 3 years ago. Once my vehicle was vandalize and my property was stolen during my attendance of Sunday service back XXXX. I reported everything to local police. My personal information and expensive military equipment was taken. Ever-since XXXX, I've been having problems with my credit reporting. 

On my XXXX report there are 4 inquiries on my report that the representative refuse to open up investigation on. I call and get a disgruntle worker 90 % of the time. There is a new inquiry posted lately. Nobody called me to verify anything. Why opt into extra security when that doesn't even protect you. Please get this Credit reporting agency to do their jobs. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion just posted XXXX XXXX XXXX, and they never offered me the free protection I was suppose to receive when my identity was jeopardize back in 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