BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early payments.

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 2020-11-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've seen no changes for the accounts that I have filed last month, and disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BARCLAYS BANK DELAWARE
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX in early XX/XX/2021 using a voucher for a free rental car. Since then XXXX has continually made recurring charges on my card in the amount of the rental, as well as for a repair which never took place as there was no damage. This has occurred at least three times since then and once again XXXX has charged {$220.00} onto my Barclaycard which I have disputed. I want to know how they keep charging my card for this and I want them to cease and desist.

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 2021-07-06
Company: EQUIFAX, INC.
State: NC
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:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had requested a wire transfer on XX/XX/2019 through Western Union. The money was with drawn form my bank account. It was supposed to be transfered by XX/XX/2019 and it was not. I had called Western Union on XX/XX/2019 to inquire and they said the money would be available on the XXXX. Then I get emails saying they want a date of birth, government issued ID, and address. All of this after I had inquired. I tried chatting with Western Union and they ignored my by not responding to my questions. I told them to give me my funds and really do believe that Western Union acts in good faith with it's customers. Aside from returning my money. It would be a gesture of good faith if the interest that Western Union accumulated off of my funds be remitted to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: IA
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 have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report. 

XXXX XXXX XXXX ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by XXXX to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with Equifax, XXXX and XXXX as well as XXXX, but in each case credit bureaus have reported that XXXX 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a call from Compass Bank BBVA regarding a past due payment on my account. I scheduled a payment to pay the balance in full on my credit card, {$1000.00}, on XX/XX/XXXX using the Compass App. I had transferred {$1000.00} from my checking account at XXXX to Compass Bank on XX/XX/XXXX in order to make the {$1000.00} payment on XX/XX/XXXX. When I talked to the customer service representative on XX/XX/XXXX, he indicated the payment was never received and that it was likely a bank error. As a result he waived the late payment fee and processed the {$1000.00} payment. 

On XX/XX/XXXX, three days after my credit card payment was due on XX/XX/XXXX, Compass BBVA reduced my credit line from {$9200.00} to {$1100.00}. I explained to the customer service rep that I wanted my credit line restored to the {$9200.00} because 1 ) the missed payment was the result of a bank error and 2 ) the payment was only 3 days past due. He assured me he would submit a courtesy request to have the credit line restored. I have contacted Compass twice more since that time to inquire about my credit line. Each time I am told it is under investigation. 

I have had my credit card with Compass Bank since XX/XX/XXXX and have never once missed a payment. In fact, I rarely use the credit card. Prior to the {$1000.00} charge I made in XX/XX/XXXX, the account had not been used since XX/XX/XXXX. Further, the payment, again which was late due to no fault of my own, was only three days past due. As a result of the Compass lowering my credit line, my credit score dropped several points, effecting my debt to income ratio and credit utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXXXXXX XXXX   XXXX {$140.00} XXXX XXXX {$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 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$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 2021-07-06
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:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

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 2020-11-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I pulled my report again and noticed that Chrysler Capital is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Why is XXXX  and Trans Union so off with reporting? XXXX I find pretty accurate. The other to reporting are way off and causing low credit scores. I dont know why they are so late in reporting accurate information when XXXX seems to not have this problem.

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 2021-07-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capio Partners has called me excessively to the point of harassment over a medical debt from XXXX. They have listed the debt as XX/XX/XXXX which I have never attended XXXX XXXX. I was at that time living in Florida. They reopened a debt from XXXX!!!! And are claiming it's from XXXX! I am a Florida resident and the statue of limitation on this debt has reached it's point. I have tried to explained that I have always had health insurance. I was admitted to a Hospital after a car accident in which the other party ran a red light. The Hospital billed my insurance incorrectly and they never resubmitted but instead billed me. I tried to resolved it numerous times submitting XXXX XXXX insurance, social, military id and the hospital told me that would be all. Years later I hear from them non stop ... nothing in the mail just calls all week long to no avail. They use profanity, threatened to damage my credit score more than they already have. Please help me so that this company stops these illegal practices. They are acquiring old debt from hospitals that failed to bill health insurance correctly either because of the lack of training of their accounting/health staff. There are federal/state statues of limitation that this company is not adhering to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX has been paid. inaccurate Credit reporting

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 2018-02-17
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JH Portfolio Debt Equiti has placed an account on my credit reports dating XX/XX/2018. This debt has been previously disputed and deleted off my credit files. Now that it is tax time, it has magically appeared again. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is an requirement to collect on a debt. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail. I would like this removed from my file once and for all especially since the 6 year time from of original default has expired, which is also another violation. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice.

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 2021-07-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voicemail the week of XX/XX/XXXX and a letter on XX/XX/2021 from the Collection Bureau of the Hudson Valley attempting to collect debt from XXXX  for a service balance of {$260.00}. 

I have never had a XXXX account. I reviewed my records and my credit reports to verify ( I am a victim of identity theft and have a credit reporting and monitoring service ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch

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 2019-06-10
Company: Experian Information Solutions Inc.
State: VA
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:
These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on Experian, XXXX, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, cXXXX XXXX, XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: Revolut Technologies Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My funds have been frozen for over a month and support is not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation