BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Affirm Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened a savings account with XXXX XXXX XXXX  through Affirm because of its high APY of 0.65 % on or around XX/XX/XXXX. At the time I already had a savings account with XXXX XXXX XXXX but it did not have a high APY which is why I opened an account with Affirm. I decided to transfer the money that was in my XXXX XXXX XXXXXXXX savings account to my new Affirm account. I made my first deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my second deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my third deposit on XX/XX/XXXX in the amount of {$13000.00}. My Affirm account was frozen on XX/XX/XXXX. I called Affirm ( XXXX ) on XX/XX/XXXX at XXXX XXXX in regards to my account being frozen. I was informed by the representative that this is common when a new account is opened and deposits are made and that the issue would be resolved within up to 48 business hours. The 48 hours had passed and my account remained frozen. I called Affirm back on XX/XX/XXXX at XXXX XXXX. I was informed by the representative that there was a delay on these types of requests due to COVID and that this issue should be resolved ( account becoming unfrozen ) within 3-5 business days. I proceeded to call Affirm 8 more times on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX, and lastly on XX/XX/XXXX at XXXXXXXX XXXX. I called Affirm for over a month and was consistently being told that they needed to extend the waiting period another 3-5 business days while they were " investigating '' the matter. On my final call to Affirm I was told that my account was being permanently frozen and that they could not tell me why and that I would have to contact XXXX XXXX XXXXXXXX in order to get my funds back. I proceeded to call XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX at XXXX XXXX  to inform them of what was going on and they informed me that they could not assist with any account opened through Affirm. Ultimately, my account was frozen with a total of {$33000.00} in it unlawfully and illegally due to what I believe is discrimination. ( In addition to the {$33000.00} that I deposited, my account accrued interest in the amount of {$16.00} bringing the total to {$33000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Public record information inaccurate

Complaint:
Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on my report.

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 2017-07-07
Company: Experian Information Solutions Inc.
State: TN
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 providing you with my former employers  EIN numbers received from social security. In  XX/XX/XXXX . I worked for   XXXX   XXXX  . From  XX/XX/XXXX - XX/XX/XXXX  I was employed with   XXXX   XXXX  . I was employed with   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX . Their EIN # is  XXXX . I was employed with   XXXX   XXXX   XXXX   XXXX   XXXX   from  XX/XX/XXXX - XX/XX/XXXX .Their EIN  # is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased.  XXXX  is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: WA
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:
The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.

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 2021-10-14
Company: Experian Information Solutions Inc.
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:
I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.

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 2020-02-16
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Ombudsman, Hereby, I am making a formal complaint about money transfer made from XXXX  account on XX/XX/2019 in amount of XXXX USD to my client in Citi Bank NY ( transaction file from my bank 1st attachment ) : Beneficiary Name : XXXX XXXX XXXX  XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX : Surprise Beneficiary Country : US Entity Type : company State/Province : AZ Zip Code : XXXX XXXX : XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX   XXXX XXXX Unfortunately I wrote incorrect XXXX number XXXX which is for private clients and in this case it should be given XXXX number for small and medium companies, what I found out after the transaction has been done and I couldnt cancel it after that. 
XXXX  agent ( from my bank ) on chat gave me additional information from banking partner about this transaction like below, and wrote that Citi Bank NY is still holding the payment 2nd attachmend Trace ID - XXXX The transfer was sent from our payment processors banking partner account details. 
Account number XXXX XXXX Routing Number : XXXX I have contacted Citi Bank US and they said that they arent able to help (??? ). As far as I know, holding money in this case is illegal. I want my money back, and Im asking you to help me in this matter. 
Looking forward for positive feedback, Best regards, 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 2018-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX ACCOUNT XXXX BALANCE IS {$5700.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$25000.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$2100.00} THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT, I DISPUTED THESE FROM XXXX   AND XXXX AND THEY ALREADY REMOVED FROM CREDIT REPORT, I MAILED A FRAUD THUR THE MAIL. PLEASE DELETE FROM CREDIT REPORT, 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 2019-10-19
Company: BARCLAYS BANK DELAWARE
State: VA
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 received a hard credit inquiry from Barclays Bank Delaware and I have had no interaction with them and never requested any credit services from them or their affiliates. Their customer service continues to say that XXXX has to delete it, then XXXX XXXX says Barclays has to provide documentation. They illegally accessed my credit information without my consent.

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 2022-03-03
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern The following are listed on my credit report and I have never got a 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance XXXX XXXX XXXX {$150.00} XXXX XXXX  {$810.00} CONVERGENT OUTSOURCI {$620.00}

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 2017-11-13
Company: Experian Information Solutions Inc.
State: NC
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:
have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to XXXX & Experian to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by XXXX & Experian the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

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 2022-03-03
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Auto payment went through late, to avoid late fees, use website through Hyundai Motor Finance to pay again for XXXX. One Month later it is not reflected on finance statement for XX/XX/XXXX or XX/XX/XXXX. Now I am passed due by 19 days with no resolve, and currently out of {$380.00}, even though it was processed. 

XX/XX/XXXX Contacted Hyundai Finance, work with customer service, no resolve XX/XX/XXXX, Hyundai collections called stating I am pass due called customer service right after call from collections explain situation no resolve, wait 3-5 business days XX/XX/XXXX, called back no resolve, file a Complaint with XXXX. 
XX/XX/XXXX, called customer service again, still no resolve, told it was escalated XX/XX/XXXX called back no resolve again XX/XX/XXXX I was contacted by XXXX XXXX at XXXX, ( XXXX XXXX ) I was told to email my bank statements and also told that there was a glitch on their system with payments, I explain that I was not notified, and was told Money applied to billing was refunded which I didnt received. I explained that I would like my money to be applied to my loan and also would like any interest incurred by the mistake from their system to be fixed and also to fix any negative credit damage from their faulty system. 

XX/XX/XXXX Contracted by XXXX XXXX from XXXX XXXX told not to not accept resolution on XXXX and that she was going to close the matter, told her I dont understand how you can close it due to the problem not being fixed. 

XX/XX/XXXX Still no resolve, passed due again for the month of XXXX now.

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 2022-03-03
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT CONTROL LLC has failed to validate debt on XX/XX/2022 I sent CREDIT CONTROLL a debt validation letter and in response they sent billing statements which is not sufficient evidence of indebtedness. I will send a 2ND and FINAL request for proper debt validation which is to include but not limited to a written itemization of the finance charge, the OFFICIAL initial contract bearing consumers signature, a written itemization of the amount financed and the amount owed; also I demand an audit trail for the account/debt in question

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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, XXXX, and TransUnion. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.

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 2022-03-03
Company: ProCollect, 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 been fighting this collection for 2 years and they continue to violate my rights as a consumer. I have submitted all documentation to XXXX and the Collections company that this debt is not mine yet they have not shown me where this debt has been validated. No signature of mine on any contracts. 
They have refused to remove this collections. I have been told by several attorneys that this collection company has the credit bureaus I. Their pockets. 
I am prepared to file suit all the way to Supreme Court because they are violating me as a consumer.

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 2017-11-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have 2 accounts and XXXX hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XX/XX/XXXX, {$3.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$380.00}, XXXX XXXX XXXX, Equifax Consumer affairs, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: NC
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:
have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax & XXXX to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax & XXXX the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/XXXX Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX2020.15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: NC
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 contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

Company response to consumer: Closed with explanation