BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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 HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.

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 2018-12-12
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
US Bank and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$2000.00}. I don't owe anything.

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 2020-08-23
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a US citizen who is currently based in XXXX. On Friday XX/XX/XXXX two unauthorized transactions were made via my debit card number through TransferWise linked to my XXXX XXXX checking account. The illegally withdrawn funds appear to be sent to an American based account. 

I noticed the fraudulent charges on Saturday, XX/XX/XXXX. The transactions were for {$990.00} and {$1000.00}, totaling {$2000.00}. 

I immediately called XXXX XXXX XXXX Saturday XX/XX/XXXX ) to place a freeze on my card and to open a fraud claim. Because the bank 's fraud department does not operate over the weekend, I have to wait a few days before I hear back from the fraud investigation. The XXXX XXXX    XXXX supplied me with a fraud claim number and asked me to wait for further contact. 

I then tried to reach out via phone and TransferWise 's online message center to report fraud but received no response. On TransferWise 's website I read that all of their transfers are final and can not be reversed or stopped once started, and that I have to file a complaint though this website ( https : //complaint.consumerfinance.gov ). 

I then placed a freeze on my credit, placed a fraud alert, and reported the action to IdentityTheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello Team, I initiated the transaction # XXXX to transfer the money {$9000.00} from USD to INR on XX/XX/2018. Later on, i had to cancel the above mentioned transaction on XX/XX/2018. I was promised that refund process may take up-to 3 business day but not more than 7 business day.

During this time frame, i tried to call customer representative of Western Union and i also dropped the mail asking for money refund and every-time i was asked wait 24 hours to 48 hours more and issue will be solved on priority.

As now its going to more than 13 calendar days and still don't have any clue where is my money, I am really losing all hope now to get my money back from Western Union.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a closing with TD Bank for a mortgage refinance on XX/XX/2020. They sent someone representing a company called XXXX XXXX XXXX to handle the closing and getting the documents signed. This person told me they would email me copies and that the closing would be finalized on XX/XX/2020 once they sent the documents over to TD Bank. I told him to ensure that the copies were sent to me via a secure medium, not email. Today, XX/XX/2020, they sent me an email with the documents I had signed as an attachment to the email which is not secure. It included my social security number, checking account number, all my financial information, credit information, address, basically all of my private sensitive data/information. I complained to both companies about this, and the title company replied saying that email is totally secure ( emails attached to this complaint ), and TD Bank never even bothered to reply or call me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12
Company: URS Holding, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX ( working on behalf of XXXX XXXX ) has continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have been called repeatedly by this company non stop for three months and have informed them to do any further communication by mail and to cease phone calls and now being threatened by mark on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX ( working on behalf of American Express ) has  continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: WV
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:
Equifax shows various inquiries and or accounts that simply are not mine or known to me as being done. The following is the information I have received via XXXX XXXX today, showing the hard inquiries and such which I know are completely theft and not by my own self/knowledge. This is ID Theft perhaps. 

1. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 2. 
XXXX XXXX XXXX  XXXX Inquiry  from XX/XX/XXXX 3. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX 4. 
XXXX XXXX Inquiry from XX/XX/XXXX 5. 
XXXX/XXXX Inquiry from XX/XX/XXXX 6. 
XXXX XXXX - XXXX Inquiry from XX/XX/XXXX 7. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 8. 
XXXX XXXX Inquiry from XX/XX/XXXX 9. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. 
XXXX XXXX Inquiry from XX/XX/XXXX 11. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX 14. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX 15. 
XXXX Inquiry from XX/XX/XXXX 16. 
XXXX XXXX Inquiry from XX/XX/XXXX 17. 
XXXX XXXX Inquiry from XX/XX/XXXX 18. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. 
XXXX 's XXXX - XXXX Inquiry from XX/XX/XXXX 20. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX **This is highly frightening and alarming** please assist me in repairing whatever damage possible. Thanks much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
Company: Northwood Asset Management Group
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company constantly calls my relatives, I have spoken to the man twice now ( today and on or around XX/XX/2020 ) and told him not to call my family or discuss this debt with anyone other than myself. He tried to negotiate payment with my father without my consent, my father is an older gentlemen and was absolutely horrified. He has also left messages saying that I am being charged with fraud and other threatening things. These calls are being left on the voicemails of my family. I am tired of being harassed by this company and certainly dont want them harassing my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: OneMain Finance Corporation
State: MD
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Over the past 3 months, XX/XX/2021 through XX/XX/2021, Ive been trying to withdraw my money from the Robinhood Investment App. Currently the value is {$13000.00}. I also tried to transfer the amount to another investment company. I tried calling Robinhood, but you get a pre-recorded message and a hang up. I have money sitting with Robinhood that I can not access. Robinhood will allow me to transfer funds into my account for investment, but they are not allowing transfers out of the account. Seems transfers out have been unjustly disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
-On   XXXX   XXXX  , 2017 I paid all of my accounts with USAA in full.
-On XX/XX/XXXX  I confirmed that all of my accounts were paid off in full and found I still owed  XXXX  on my account -On  XX/XX/XXXX  I sent in a payment of {$27.00} in order to pay off my Master Card account in full. I confirmed with USAA that the account was paid off in full.
-On  XX/XX/XXXX  USAA assigned a charge to a  XXXX  for   XXXX  . I called them and asked them to remove it as the card had been paid in full. Over the course of the next week I talked to multiple managers at USAA and they refused to remove it. I specifically requested they examine all my accounts with USAA to ensure I was paid in full. I told them I would write a complaint to the CFPB in regard to this.
-On  XX/XX/XXXX  USAA called to tell me they were going to waive the  XXXX . They had already done so as of   XXXX   XXXX  , 2017.
- On XX/XX/XXXX  USAA assigned a charge of {$1.00} to the Master Card I had paid off in full on XX/XX/XXXX .
This is clearly a retaliation for submitting a CFPB complaint and an attempt to get money from me for the {$8.00} they " waived '' from the other account. I have asked them to ensure all of my accounts are closed and completed prior to  XX/XX/XXXX , and they told me they were. I have paid them in full and they just keep assigning charges to me on an account that they can then assign a late fee to if it is not paid and use that account to destroy my credit rating. They have implied as much in conversations threatening to send these charges to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: First Federal Credit Control, Inc.
State: OH
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 now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was 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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001

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 2020-02-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I know my security freeze pin ; but I cant get in touch with experian! My calls are being rerouted. Please help me Ive been trying to get this straight for 4 months 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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Vehicle was leased in XX/XX/XXXX through XXXX XXXX XXXX. 
A few lease payments fail behind, and I received ongoing robo calls to my cell phone. 

I reached out to an attorney who advised me to make a three way call to call XXXX XXXX XXXX while his office was on the other line, requesting that they stop the robo collection calls. 

I continued to pay my lease off, However, Hyundai continued to dial my cell phone using different phone numbers. I maintained a call log.

Moreover, I have a paper trail of all or my payments. 

My lease concluded on XX/XX/XXXX, and the vehicle was turned over to XXXX XXXX Dealership in accordance to my lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a credit card opened in my name for Wyndham Rewards that I did not apply for. I called the company back and informed them I did not open a credit card account with them and they needed to close the account. I cut up the card and sent it back to them. I continued receiving bills for {$0.00} balance on that card and the account is still open. I contacted them again XX/XX/20 and was on the phone for several hours only to just get the run around and they claim that account does not exist for my birth date. Someone in the Wyndham company is getting cards using some of their members information that attend their meetings during their vacation. This is a corrupt business and it should be stopped and all of the employees need to go to jail and pay restitution to all of its members that have been held hostage to their contract only to find out that their personal information is being traded and compromised.

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 2018-09-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.

Company response to consumer: Closed with explanation