BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday XX/XX/2019 around XXXX XXXX I tried to temporarily lift my credit freeze with Equifax. I tried their website, but was informed that it could not be processed at that time. 
The website also said i could write to the company or call an XXXX number and use their automotive telephone service to lift my credit freeze. I called the XXXX number provided ( XXXX ) and after going through a series of prompts I was informed that the service could not be provided at that time. I then went through additional prompts to talk to a service provider who informed that the system was being upgraded and they could not access my credit information to make any changes. The Equifax representative said to call back in an hour. Before I hung up I told the representative that their home webpage did not inform one that the system was unavailable. And that I wasted 15 minutes navigating through their website and XXXX number before speaking to a live person who only then informed me the system was undergoing maintenance and upgrades.I said that information should have been provided on the home webpage and in the introductory announcement on their XXXX number in order to save consumers time and money!!! 

I repeated the same process on Saturday XX/XX/XXXX at XXXX XXXX. Again no notice on the home webpage or on the XXXX number that their service was down. After going through the phone ladder with no success I again ended up with a service rep that informed me the system was down, was being updated and to call back in an hour. I told the service rep that was what I was told yesterday. She could not give me any other answer other than to call back in an hour. I asked she lodge a complaint for me as I could not find anywhere on their website that would allow me to provide critical feedback or lodge a complaint. I have no faith that my complaint was ever recorded and forwarded to Equifax  management as she provided no mechanism for me to ever find out if it occurred. Furthermore I told them I was also going to lodge a complaint with CFPB. 

This unacceptable as I can not get my credit freeze lifted and nor was I given a accurate time when I could access and change my credit freeze. It does not seem feasible that a multi-billion dollar financial agency would update their system during normal working hours thus rendering their system unusable. Or, if they in indeed were updating their credit reporting database, why did they not not alert their millions of customers on their home webpage that no credit changes could be made during the update process? I have no proof, but their database updating story is so inept it strains credulity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: MoneyLion 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: Account status incorrect

Complaint:
In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my account in full on the due date with my debit card, yet I was charged late fees for months after the debt was paid in full, plus interest on the fees. The payment due date was XX/XX/2018 and I made the payment on XX/XX/2018 and was charged a late fee on the due date of XX/XX/2018. As a result they have ruined my credit because they reported late payment on the fees and interest charged even though my account was paid in full on the due date to all three credit bureaus. Furthermore, I am XXXX XXXX XXXX   and the hours I have spent trying to get this resolved has caused significant stress/anxiety. I am also requesting that XXXX XXXX not contact me via telephone and to communicate via mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: NV
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:
Equifax has reinserted information on my credit report that was not investigated nor validated. As I explained in previous complaints I am not a resident of Ohio, I do not own property in Ohio, I am a Nevadian, a resident of Nevada and has been so for almost 10 years. XXXX XXXX  has been reinserted when it does not belong to me, I have sent equifax my XXXX XXXX file whom equifax gets there information from which is a third party whom is not THE ORIGINAL FURNISHER! When investigating or validation the ORIGINAL FURNISHER is the only one that can validate a account. These third party companies does not qualify for disputes. I have sent in numerous documentation meaning passport, utility bill, XXXX XXXX credit file, and method of verification letters asking for documentation and equifax refuse to send the information requested. I continuously have disputed unauthorized inquiries and accounts an equifax removes everything that I did not dispute. Equifax has removed accounts that is in fact MY accounts that I did not have on the dispute making my credit and score look horrible. This ongoing situation has to stop immediately! I have seeked legal consumer representation and I will not stand for the Pre-made letters that equifax keeps sending to my home. I have built a paper trail and I send my disputes certified for a reason so if I have to sue equifax I will have all my certified documentation. THE ONLY ACCOUNTS THAT SHOULD BE ON MY CREDIT REPORT ARE : XXXX XXXX, XXXX  XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX, XXXX. I HAVE LIVED HERE SINCE XX/XX/XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NEVADA XXXX, MY JOB IS XXXX AND HAS BEEN SINCE XX/XX/XXXX AND MY OTHER JOB IS XXXX. I AM NOT A HOME OWNER NOR DO I RESIDE OHIO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Netspend will not return the remaining balance of {$300.00} on the account that I closed. When I closed the account they said that the remaining balance would be returned via a mailed check. The check wasn't sent. I contacted them, and then they issued a check for the portion of the balance that was loaded to the card with cash but not for the {$2300.00} I had loaded via ACH transfers. When I contacted them again they said they could not return the funds without a letter of indemnity from the originating bank. I contacted the bank that the funds were originally sent from to request the letter. The bank then sent a confirmation letter for the transaction to Netspend. Netspend then returned {$2000.00} via ACH, but withheld the remaining {$300.00} and requested another letter. I then had my bank send the same type of letter on XX/XX/18 for the {$300.00} transaction, but did not hear back from Netspend. When I contacted Netspend again they said they required 20 business days to review the letter and that they would contact me once it was reviewed. I did not hear from them again, so called them again after a month, and they said the letter had been declined. I was forwarded to the fraud department. The representative said he would contact my bank and call me back within 3 business days. I did not receive a call. I called Netspend again and they advised me to wait a few more business days. Again, I did not receive a call. I called back again and was told to send another letter. I have called Netspend at least 20 times, with some calls lasting over 90 minutes and have been left without a way to recover my funds.

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 2021-04-30
Company: EQUIFAX, INC.
State: MI
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 tried contacting Equifax about fraud accounts on my credit. They told me to fill out some form and I did and to mail it to them. I did and they have nothing. I do not know who else to help me but can someone please help with these fraud accounts, I am being contacted by people companies that i do not no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked and now I am negative XXXX in my account and the bank said they won't refund my account. I did not authorize any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Credit Protection Association, L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.

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 2019-02-09
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Convergent Resources, Inc.
State: FL
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:
On XX/XX/2019 sent letter requesting validation of debt, ( letter attached ) They responded back on XX/XX/19 with a copy of a XXXX phone bill with a PO box as an address, I have never had an count with XXXX or use of that PO bOx listed.

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 2022-08-05
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: Information belongs to someone else

Complaint:
I have made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer 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 2020-05-07
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I Tried to contact my lender in order to get a forebearance on my payments. They had a machine and said that to contact via email. I did that and have not received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY

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 2019-02-10
Company: Experian Information Solutions 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:
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a {$XXXX} credit report and free trial for credit monitoring services from Transunion on XX/XX/XXXX and then cancelled the service the day after so that I wouldn't be charged for their services on a monthly basis. I have an email verifying that I cancelled the service on XX/XX/XXXX. At the bottom of the email it says " You may REACTIVATE anytime by simply logging in. '' I was receiving free credit monitoring services at this time from another company due to a security breach when I worked for the XXXX. I confused the different services and mistakenly logged back into my Transunion account at some point in the weeks that followed. Upon me logging in, Transunion automatically signed me back up for monthly services without my knowledge. They provided no notification that they had enrolled me and had began charging me on a monthly basis. They began sending me monthly " credit update '' emails, but none of these indicated a monthly charge was taking place. I was still under the assumption that these emails were related to my other free credit monitoring service. The first monthly charge occurred in XX/XX/XXXX and continued until I realized what was taking place in XX/XX/XXXX. 15 monthly charges of {$XXXX} had taken place, totaling over {$XXXX}, that I never knowingly authorized. I called Transunion and explained that I never agreed to these charges and had not been using the service, but they refused to refund any charges. I consider this way of business to be extremely dishonest and unethical. I don't think it should be legal for a company to operate in this way. A customer should be notified if he or she is being charged for a service and EXPLICIT consumer consent should be obtained prior to any monthly service initiating.

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 2019-02-10
Company: EQUIFAX, 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:
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Comenity Capital Bank in XXXX, OH that I had been denied an XXXX XXXX credit card. The letter was dated XX/XX/2022 and I received the letter XX/XX/2022. 

I NEVER APPLIED for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Well they Loan me a XXXX dollar but in return I wouldve to paid XXXX back which I think thats way to much so I assume they trying to scam me ..and also the percentage rate is XXXX which really not adding up so I want help out of this Loan situation please!

Company response to consumer: Closed with explanation