BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi. On the XXXX  of every month I receive XXXX benefits.On XX/XX/2020, someone took XXXX dollars out of my U.S . DIRECT Express debit card.I am still upset over it. I contacted them and, gave me the runaround.I have no idea how they did it.Please help me.Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unemployment said they were back dating my claim to XX/XX/2020 They have not done so. 
They said Bank of America ed was gunna deposit XXXX into my account both times everi emptied my account They have yet to fix the situation and have to keep sending me new cards making me behind on bills. 
Unemployment also said I was getting XXXX a week but now its XXXX. No notice nothing cant get ahold of anyone its just rough already. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Withholding a transfer to my account. Verified and then they said I need to send a photo of social security card paypal XXXX. 
Now my account is locked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: IL
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:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

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 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Cornerstone Holdings, Inc.
State: LA
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 several medical bills from XXXX XXXX XXXX get sent to a collections company called Cornerstone Credit Services in XXXX, Alaska. I was unaware of these collections and as soon as I found out I paid the collection agency with the understanding that they would be deleted and stop reporting negatively. All accounts were paid in full on XX/XX/XXXX. As of XX/XX/XXXX they are still reporting negatively with all three credit bureaus. The account informations is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$300.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$60.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$330.00} There is also a collection account sent to Cornerstone credit services from XXXX XXXX XXXX. That was never my account and disputed this also. I paid cornerstone the collection amount to ensure that it would be removed from negatively reporting from my credit report. This too has not been done. Information is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$760.00} It is my desire to have these items removed/deleted as promised by cornerstone when I made payments on these collections accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

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 2023-05-10
Company: EQUIFAX, INC.
State: PA
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:
You are in Direct Violation of The Fair Credit Reporting Act. You, have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tried to apply for credit and I noticed that I have damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2021-06-03
Company: House of Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the father of my child included me in an auto loan without my consent. This was around XX/XX/2016. I was not even employed at the time. Considering this I couldnt have applied for a car loan to begin with. The account is closed but it is negatively effecting my credit score. I cant pay because i dont have any money as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Resurgent Capital Services L.P.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed debt ownership. Never received validation, removed. Re-added today. XXXX XXXX XXXX client, account # s do n't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Sunbit, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Sunbit is a financing company that approved a loan in my name with my dob, social security and address for either a motorcycle or motorcycle gear. I did not file for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was misled by XXXX XXXX  and my degree did not do what they said it would so I have submitted the information to the Dept of Education for XXXX XXXX over a year ago but Navient keeps harassing me for payment and charging me interest for a loan that is supposed to be forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The creditor XXXX XXXX XXXX has placed a collection in my XXXX   on XX/XX/XXXX using a company called Law Offices Of Mitchell and it seems they have received this request to collect from me on XX/XX/XXXX. I have never heard from this collector and I don't agree with this charge, since my ex-husband has told me this bill was paid with many other bills when I had an XXXX treatment about 3 years ago. I have been separated since XX/XX/XXXX and I left the house since them. I have been divorced since XX/XX/XXXX and during the divorce my ex has told all the bills I had to pay including having to fill and pay my taxes from XX/XX/XXXX and XX/XX/XXXX, and he has never mentioned this bill. He also never gave me any letters from any of those companies mentioned above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
For over a week I have been trying to sign up for the Equifax Trusted ID service to freeze my credit report with Equifax due to the recent security breach. I was able to successfully freeze my credit report with the other two agencies in under an hour with minimal effort, but with Equifax I have been met with nothing but a wall of miss-information and unhelpful representatives. The e-mail that Equifax said they were supposed to send to complete the enrollment process has never arrived after more than a week. When I call I am told someone will call me back in 24-48 hours, but they never do. When I called today ( 3 separate occassions ), I was told by a call center representative that the e-mail may never come and I should stop trying. When I asked to speak to a supervisor, I was told they dont have any supervisors, just people working the phones giving out other phone numbers to call that are non-operational numbers. One of the numbers begin given out is XXXX. What is most frustrating is all the advice we keep hearing from so called 'credit experts ' that keep saying, sign up for the free Equifax service and lock your credit report. Obviously they do not have the same issue that many others are having. Would appreciate your agency investigating Equifax and their ability to handle credit freezes and the services they are advertising. Someone at Equifax needs to be held accountable and our elected officials should investigate the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received an eidl loan into my " joint account '' with my Younger brother.I put join into quotations because after it was received I was told my brother couldn't be added on my account even though he has a credit card and checking account with NFCU.When applying for the eidl because i got one as well for my small business around XXXX dollars the auto fill accepted and didn't realize my number not his after it grayed.I was told on XXXX  that we needed to prove we were brother and sister which aside from a dna test is hard we have pictures from youth ect but different mothers and a absent father which is not uncommon. I went into the bank and withdrew his money and gave it to him he is a sole proprietor working for XXXX  and XXXX XXXX/XXXX XXXX. # # weeks later i wake up to my accounts locked and after being on hold twice for 4 hours a time I am told this will be resolved and I can have my money that I just put in the account two days prior if we both come into a branch with our ids which we did the following day.After another ridiculously long hold I am told that my personal funds are being sent back to the sba ... That is my rent my money from working ect money that i physically put into my account.Navy Federal stole XXXX dollars from me without so much as a blink of the eye after doing everything they asked and verifying with documentation .DURING A PANDEMIC!!!! I am going to be homeless because of this asine action. The funding cleared before it was withdrawn and given to him as well. He has even made a early payment on his loan. I want my account and my money back into my account and I want to not be told and have one resolution documented only to be met with lies when coming into the branch.I am a veteran who has honorably served my country and I do not deserve this at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN FRAUDULENT MEDICAL SDERVICES FROM YOU. THE FOLLOWING ACCOUNTS WERE FRAUDUENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL SECURITY CARD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXXThey have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my XXXX   Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.

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 2020-11-25
Company: EQUIFAX, INC.
State: MS
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:
Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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 XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi All Credit Bureau listed me as an authorized user for XXXX XXXX, I never authorize or gave my social security number. I want XXXX XXXX  removed.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
On Wednesday, XX/XX/2023 I tried various times to verify my identity with TransUnion through XXXX in order to have my credit report released to a prospective landlord. TransUnion was unable to verify my identity online and upon calling the TransUnion shareable for rentals line at least 5 times over the course of two days ( encountered a staff member mysteriously going quiet while the call continued for 5 minutes in the middle of verification process, etc. ), they were again unable to verify my identity. When I brought it to their attention that the verification questions continued to show no relation to me they suggested I request my free credit report, which I did. Upon reviewing my credit report, the credit report appeared correct and also showed nothing that would cause the verification questions to present as they did. On Thursday, XX/XX/2023, I called the TransUnion consumer support number as the TransUnion shareable for rentals number could be of no further assistance and was able to pass the verification questionnaire as it finally brought up one question that asked about a family member and was told that my identity had been verified for the rental application. However, when I logged back into XXXX the following day, Thursday, XX/XX/2023, the problem persisted. I then called XXXX and was directed back to TransUnion a final time at which point I brought it to their attention that there was something wrong with their system. In response, I was told that nothing was wrong with their system, rather, I must not be who I claim I am after having failed the verification questionnaire for a ninth 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 2023-01-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

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 2018-05-10
Company: Law Office of J.A. Cambece
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX and J.A. Cambece Law P.C. for amount of {$2300.00}. I had sent XXXX XXXX XXXX XXXX XXXX a debt validation on or about XX/XX/2017 who XXXX XXXX XXXX assigned or sold the debt to IL XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to IL XXXX XXXX XXXX XXXX XXXX XXXX and they did not respond to my demand. Now XXXX XXXX XXXX XXXX XXXX assigned or sold the debt to J.A. Cambece Law P.C. and J.A. Cambece Law P.C. is now suing me. I have no knowledge of this debt.

Company response to consumer: Closed with explanation