BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO (XX/XX/XXXX) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

*************************ATTENTION***************************** MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Several years ago, I established a personal line of credit and credit card along with the checking account with First Citizens Bank. The LOC is also used for overdraft protection. I was urged by the bank and agreed to allow them to set up both the credit card payment and the LOC payment on autopay through my checking account. The checking account is not my primary checking account. I only set it up because the bank required it in order to give me the credit card and LOC. 

On XX/XX/2020, FCB attempted to execute the payment for one of the accounts and there were not enough funds to cover it. There were also not enough funds in the LOC to cover it. So they charged me a {$36.00} fee. However, there were enough funds in the LOC to cover the fee though so on XX/XX/XXXX they added {$36.00} to my checking from my LOC and took it. Then they charged me an additional {$36.00} fee on XX/XX/XXXX, added {$48.00} from my LOC, and took an additional {$12.00} fee for the service of adding the money from the LOC. This same set of charges and fees happened again on XX/XX/XXXX and XX/XX/XXXX. 

While FCB has all of my accurate contact info, I was not notified by email, text, or phone that any of this was going on. And since it's not my primary account, I didn't discover any of this until today ( XX/XX/XXXX ) when FCB called me because my LOC payment was late. I asked about the fees which total enough to cover the  payment that's due with the argument that if they had reached out to me in any way and I had known what was going on, I could have stopped it from happening and preserved enough funds just from fees to make the payment. I asked them to refund the fees. I was told " this is just the way things work and that they had done nothing wrong so since it's not a bank error, they can't refund the money. '' I've been a good customer and always paid on time. I have multiple business accounts with them also and have never had any problems. The coldness with which I was treated was astounding. Especially given the amount of interest I've paid them over the years and the money they make using my business funds essentially for free since transaction accounts pay virtually no interest to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ditech is reporting a open inaccurate mortgage account on my XXXX credit report that is not correct please delete.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a complaint XXXX # XXXX and am still having issues with USAA. 

USAA was supposed to close my account and send me a check. USAA did not close my account and they sent me a check listing my old trust as the pay to order of. I have not been able to get this check cashed. Additionally, I am still getting letters from USAA with statement dates that are after the close date of my accounts ... .which tells me that they have not closed the accounts like they told me. 

Date of check : XX/XX/2021 Check # : XXXX USAA had a copy of the new trust paperwork on file so they should be able to reissue the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my 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 explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

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 2021-03-24
Company: RFNA, LP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Republic Finance filed a wage garnishment against me for a debt that I allegedly owe. This company violated the Fair Debt Collection Act by sending information to a court stating that I owe a debt which violates 15 US Code 1692b ( 2 ). This debt collector also never properly served me notice of the wage garnishment. They also viewed my credit report without my permission, violating 1681b by not providing me with a copy of the credit report and the consumer rights. In violating 15 US Code 1692g, this debt collector never validated the debt before taking adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
1. Change of Address was complete to ensure XXXX XXXX was directed back to our Estate. Dated, XX/XX/2020. Claim 1. XXXX Hospital, where request was originated did perform service of changing address of Title for Foreign Trust. Claim 2. XXXX  hospital STOLE and SOLD my RAW data to the U.S Department of Agriculture. Claim 3. We have the proof. Claim. XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX USPS, is party who recorder the transaction.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Discover card in good faith. They approved a new card for me on XX/XX/2020 which was reported to the credit bureaus. On XX/XX/2020 I was informed that my account was to undergo a verification process which I happily complied with. On XX/XX/2020 Discover made a " business decision '' to close my account. This will negatively impact my credit report through no fault of my own. I contacted the company and they refused to give me any additional information. Basically they are accusing me of submitting a fraudulent credit application which is not true. What remedy do I have to correct this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
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:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: NY
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 believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit lock feature faded out completely right after I tried to correct the lock feature not working at all. So I don't what state the lock feature is in, only that after trying to get it to toggle that it faded out completely

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 2019-01-29
Company: Conduent Incorporated
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I discovered that someone had purchased {$500.00} off of my child support card through a company called XXXX. I called the customer service number on the back of my card, was transferred to the fraud department and a started a claim to get my childs money back. I closed the card and received a new one in the mail. I also received all of the fraud paperwork to fill out, which I did and sent back in. On XX/XX/XXXX they refunded my childs money back, saying that it was temporary until the investigation was over, which would take 45-90 days. On XX/XX/XXXX I noticed that they did a debt reversal and sent the {$500.00} back to the company. Ive called the number on the back of my card. Ive called XXXX XXXX, which is the bank that eppicard is through. Ive tried getting ahold of the company in charge of the fraud department, Us Direct Express. On the phone for over 5 hours on hold, and the only person I talked to was from XXXX XXXX  who told me that he talked to an agent with the fraud department eppicard uses who told him that I would only be on hold for 2 minutes, he transferred me and 30 minutes later I was still on hold. Ive even  tried getting ahold of the company that the purchases were made through, and the phone just rings and their live chat doesnt work. I just want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
I have submitted two complaints with the CPFB asking Chex Systems ( a credit reporting company ) to tell me the reason XXXX XXXX XXXX gave in requesting my credit report on XX/XX/2021 because I believe that XXXX did NOT have a valid reason for the request. Chex Systems has twice refused to answer that question and instead replied that it removed all evidence of XXXX 's request thereby covering up what I believe to be a violation of the FCRA.

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 2021-08-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have {$950.00} in my PayPal account PayPal says I have broken a community standard and they are holding my money for 6 months I asked PayPal what community standard did I break and they couldn't tell me how was it legal for them to hold my money for 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2021 the bank received a wire deposit of {$2400.00}. 
On or about XX/XX/XXXX, they also received a wire transfer of $ XXXX from my account at XXXX XXXX . 
After calling the bank to find out why the account was blocked from online access. I called and spoke with fraud and security in the name of a representative named " XXXX ''. 
She told me because of a business decision, the account was marked for closure. I for further details, and was told that the deposits were sent in the name of someone else, and it was a business decision to close my account. This can not be true, as the wire confirmation shows my name. I requested that the deposits be sent back to their original accounts of origin. The problem with this is that XXXX XXXX  charges {$5500.00} to return the funds to my account there. XXXX XXXX Bank should return the funds as a course of closing the account, and issue to me final savings statement. But, they have closed the account, and denied access to me to look at the final statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Name of Collector : Progressive Management Systems - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

Per my health care insurance the debt was paid in full and the balance due is {$0.00}, however ; the debtor refuses to update my account, and it continues to show as payment default with interest accumulating. 

I've already provided the email from the insurance company advising the member which is me does not owe any money, the payment was paid in full by the insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving these calls from XXXX XXXX XXXX in XX/XX/XXXX, and the messages always say " Hi this message if from XXXX XXXX XXXX, this is a call from a debt collector, please call XXXX '' but the extension provided is always different. The message is typically very rushed and barely audible. 

To my knowledge, I do not have any overdue payments. Today XX/XX/XXXX XXXX, I finally gave in and called them back at the phone number they called from ( XXXX ), and the woman who answered the phone would not give me any information, and simple put me on hold after asking me for my name. I was on hold for quite a while so I hung up and called back. I spoke with the same woman and asked her what this was about and again she would not offer any information and told me she needed to place me on a brief hold to get me to the person handling my case. I was on hold for a while and got spooked, so I hung up. 

Please help me figure out if this is a legitimate call worth following up on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: AFNI INC.
State: GA
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 an attempt to collect an invalidated debt, Afni, Inc. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, Afni Inc threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by Afni to collect something that has not been validated and that I do not owe. I am fearful that Afni will continue to make threats against me and harass me in relation to the alleged debt. I have sent Afni, Inc a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Afni, Inc for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My correct name is XXXX XXXX XXXX. My correct address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX. There may be other individuals with the name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addressed that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX bank account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies TransUnion, XXXX and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.

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