BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXXXXXX  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 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One denied my application for The Venture card on XX/XX/2019 based on my national origin. 
I have a credit score about 810 - 820, excellent by XXXX XXXX measurement. 
So, it is not because of a credit score. 
I called customer service on XX/XX/2019 but nobody could resolve or explain the reason. 

Capital One denied my application for the same card last year for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was with XXXX from XXXX until the middle of last year ( XXXX ). The loan was in my name and my now ex-wive 's also. While we were settling the divorce, XXXX had sent me paperwork to allow me to have my ex-wive 's taken off the mortgage note, not a refinance. They told me I had to pay a fee and qualify for the mortgage by myself which I was perfectly fine with. One of the conditions, was a completed divorce decree which unfortunately didn't get finalized until XX/XX/XXXX. I have since reached out to the new company that my loan was sold to Select Portfolio Servicing to complete the process I had started with XXXX. They are telling me they have no way to take my ex-wife off the mortgage except for a refinance. The problem with that is I am about {$450000.00} still under water so that is impossible, which they are fully aware of. I was told that when my mortgage was sold, my terms wouldn't change which to me at least means I am not put in a worse situation as I didn't choose them ( SPS ) they bought my loan without my consent so why should this option no longer be available to me? I feel they need to make good on the process I was going through with XXXX since it wasn't my choice to work with them they chose me. Part of my divorce decree, is to get my now ex-wife off the mortgage which is impossible with their rules which contradict XXXX 's. Thank you in advance for your help and please let me know what documentation you would like me to provide. They have been extremely difficult to deal with compared to XXXX. My relationship manager I was assigned to is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-04-10
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 Binance.US locked my trading account due to a chargeback and asked me to send a picture of myself, video, pdf bank statements and send money in to cover the amount of the chargeback ( {$5000.00} ) all was done same day. Its been over a month and my account is still locked and $ XXXX plus is being held my support ticket number is # XXXX please help get my funds unlocked. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Ascendium Education Group
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: Account status incorrect

Complaint:
On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my XXXX report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am making another report towards XXXX, Transunion, and XXXX in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2017-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I authorized PayPal to pay for a service. I have paid via PayPal many times in the past. The service is XXXX lessons for my son. This business has been running for years, and the owner requests his students pay him to his own PayPal business account. 
On this date, PayPal withdrew funds from my credit card, but flagged the authorization as suspicious. Upon calling them, they demand to know my sons birthdate. I said that is an intrusion of my sons privacy, he is not a minor, and his birthdate has nothing to do with the financial transaction. 
PayPal will not tell why they need his birthdate, refuse to pay the vendor, AND WILL NOT RETURN THE MONEY BACK TO MY CREDIT CARD. 
I have paid the vendor in person. 
I want PayPal to release my money, and credit my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I get paid biweekly and my direct deposit isnt appearing in my account. I havent gotten a email from American Express stating theyre having problems with anything so I dont know whats going on. Ive called 9 time. Ive called the number I have saved in my phone for them, one number I called that I found online and the other number was off of the card I have. I put in all the information needed to speak to someone and after all that 9 Times it just beeps as if a line was disconnected everytime! I even go on this website XXXX XXXX XXXX and theyre were other people on this same site live commenting on the same issue Im having. My deposit normally on my card buy 12 ish its not 30 mins before 3 and I still havent received my check. Ive been backing with them since my senior year in high school, so about 2-3 years now and this is first! I have proof of times and dates if needed for this case I have them all ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was alarmed once I reviewed my XXXX, XXXX  and XXXX  credit reports and found that I was reported as having a late payment on the date below on my Best Buy credit card : 60 days past due as of XX/XX/2014 30  days past due as of XX/XX/2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

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 2018-10-16
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: Account information incorrect

Complaint:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, Experian and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

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 2020-11-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went through my credit bureau to dispute these claims because I have not been to the doctor in over a year now and should not have any recent medical bills but the company is insisting this is my bill with no proof of a visit ever occuring to help explain why they would think this was me or which doctor or hospital is requesting that the debt be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my free transition credit report as per the fcra sinceXX/XX/2016 and I have been unsuccessful. I have tried contacting transition but all employees on the phone are from over seas and dont speak clear English so there is a lot of miscommunication. I have more than one credit report on file and they cant fix it they said which is causing me issues when applying for a home. They have a lot of inaccuracies but I have no way of disputing them as I can not access an account. When I try online it says my account is having technical difficulties and doesnt let me log in due to having more than one file. It re-directs me to PURCHASE a monthly plan with them which is illegal. It is a money fraud scam!! I want this fixed or Im going public with the news and hiring an attorney.

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 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Inquires Names : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I have contact Transunion numerous of times to remove the above inquires from my credit report due to unknown account accounts and transaction. Transunion continues to report this false information and fail to provided me with proof these inquires account are indeed mines. Remove immediatley.

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 2020-06-03
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: Old information reappears or never goes away

Complaint:
XXXX debt on vehicle loans, mortgage loans I didn't take out

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 2020-09-13
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently an XXXX  client. I received information that I have a collection in from XXXX. but how do I have an account that is current and one in collections? i have tried asking them and they stated it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was consistently told the wrong billing amounts, interest rates, billing dates which is against the Fair Billing Act. Reps from Capital One rejected me of the proper documentation to explain the late fees and the correct billing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX xxxxx XXXX Account balance is not consistant with other credit agency. Please delete immediately.

Company response to consumer: Closed with explanation