BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert email from XXXX  XXXX advising me that there was a change to my XXXX credit report and a credit inquiry was sent by XXXX XXXX XXXX XXXX XXXX done on XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX XXXX  and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call XXXX. I called XXXX and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Personal information incorrect

Complaint:
Ive requested on several occasions for Equifax to stop reporting and re-inserting incorrect address to my file.They initially deleted an address that doesnt belong to me and then re-inserted this address without my permission once again. This is false reporting and they continue to this again and again. The address the continue to re-insert is listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at this address and have never request for credit or any form of housing/rent or used this address on any type of application. But they continue and are now refusing to remove this address from my file. This is a violation of my rights under the Fair Credit Reporting Act despite my request to have it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. 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 2020-11-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am appalled at the way this process has gone in getting a fraudulent account removed from my credit report. As TD Bank should know by now, I am a victim of fraud. I am also a trucker, so I dont have much free time to figure out how to get this fixed. I previously tried mailing them my ID theft affidavit, but I had an incorrect address for them. I tried calling in, but I was stonewalled because I didnt have my account information handy. After being transferred and put on hold multiple times, not a single representative would tell me where to send my affidavit. This is extremely frustrating. They literally refused to give me a simple mailing address! They are actively standing in the way of me repairing the damage done to my credit. I simply need to know where to send my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX Charge-Off, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. I have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that they remove the following accounts and send me my updated consumer report. i am ready for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
or 3 days I have been trying to contact Paypal and remove all funds from this institution. They purposely never do not reply to none of my messages made from my business Paypal account. Today I was able to resolve the issue with the transfer. Upon transferring the remainder {$630.00} from the paypal business account paypal needed me to upload my Identification card. I did not have it on hand so i tried to click the X for the box asking for the identification. Upon doing so, the transaction for the transfer went through. I have tried to contact Paypal numerous times today. No luck for stopping the transfer. The remainder money was sent to my friend " XXXX XXXX ''. This was sent to her Venmo account. She has informed me the Venmo account has been closed for sometime. So paypal has informed me that the funds are gone and there is no way to retrieve them back. They have the transaction pending. The funds should still be made available to the owner if they're only pending. I want my money back from paypal and the business account closed as soon as possible. the transactionID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX, I received a promotional offer from Citi ( Citibank ) at XXXX XXXX XXXX, XXXX, OH XXXX. It was addressed to me, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX NJ XXXX. The Promotion ID Number was XXXX. Among other options, it promised me a {$400.00} cash bonus if I created a new checking account with them and deposited {$15000.00}, and kept the money in the account in the account for a minimum of 60 days. I deposited {$15000.00} on XX/XX/XXXX, and the money remains in my account to this day, which is currently XX/XX/XXXX which is over 210 days. I spoke to someone at Citi when I opened the account in XXXX and they assured me I had done everything correctly to receive the {$400.00} cash bonus. The checking account number for the new account is XXXX. As of today they have not posted the {$400.00} to my account. I have called them numerous times and written to them once to no avail. They seem to insist I was not someone who was targeted or selected for that promotion. I have their promotional mailer from XXXX to prove otherwise. When I try to send them a copy, they ignore it, and reply that I was not on the target list, ignoring the evidence. They have also promised me they would get back to me with an address to which I can send the evidence ( promotion mailer ) but they never have gotten back. I tried to reach them again by phone today, but they kept me on hold for 20-30 minutes, then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01
Company: Debt Recovery Solutions, 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:
Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for XXXX years at {$580.00} a month. I currently have a loan agreement for XXXX years at {$610.00} a month. 
Or I have to make up the difference between the modified amount and normal amount which is {$1200.00} or be foreclosed. 
The extended years if I am unable to refinance with have me over {$20000.00} on a mortgage I only have $ 54,000+/- left. 
Why if my loan is extended, the payments are n't lower?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of the debt and was on a payment plan with the medical service provider to make sure this got paid on time. This is a nuisance collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -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 non-monetary relief
Consumer complaint received 2019-03-08
Company: Complete Credit Solutions, Inc.
State: TX
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:
My wife received a call a couple of months ago from Complete Credit Solutions regarding a supposed online payday debt from 2016 in my Name. We had NOT received any correspondence in the mail from this company. They claim they have sent multiple letters which have not been received. The original creditor is XXXX which from our research is a tribal online payday lender with multiple complaints and lawsuits. We asked for validation which to date nothing has been received. 

Last week, she received the attached email from another " attorney/collector '' stating they were collecting on the same debt that CCS had transferred to them. They then called my XXXX year old daughters cell phone and left a recording to which my wife called them back and told them to stop calling and send something in writing for us to respond to. They refused saying letters have already been sent. Again we have received no letters. Today CCS has now reported this unvalidated debt on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notice of debt from the collection agency and was on a payment plan with the hospital to resolve. This is nuisance collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A credit card account with XXXX XXXX XXXX XXXX XXXX continues to be reported with an open balance. 
The account is paid in full and is now closed, however, Experian continues to report the account has an open balance despite my several attempts to have this corrected, Experian has not thoroughly investigated the account and continues to report the account with an unpaid balance and still open.

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 2018-12-21
Company: Experian Information Solutions Inc.
State: CA
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED USBK COURT XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CHAPTER XXXX BANKRUPTCY DISCHARGED Responsibility : Individual Debt Court Type : Federal District Plaintiff Attorney : PRO SE Estimated month and year that this item will be removed : XX/XX/XXXX USBK COURT XXXX CALIFORNIA Docket # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE I HAVE NEVER FILED FOR BANKRUPTCY PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX COUNTY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND SOMEBODY ELSE PLEASE REMOVE IT OFF MY CREDIT 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 2023-03-23
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from the collection from XXXX XXXX who work at XXXX XXXX XXXX XXXX. The manager of the apartment already contact him telling that I am no in the contract lease but he didnt answer. I contact him 3 times asking for the name of his boss or manager he didnt give me the name. His answer was he doesnt know anything, he can no do anything instead he try to send me to a customer service when I said no I need the name of your boss he hang up the phone. Thanks to XXXX XXXX my credit score is down and I am in collection for within that I am no owe. I hope you guys can stop this kind of abusive and make this guy fired for be so unprofessional and disrespectful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 3-5 accounts that were late payments and are a part of my payment history. These incidents occurred in XXXX of XX/XX/2014. I researched this an found that it should be kept up to 3 years. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation