BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: PA
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 current victim of identity theft. FTC report number XXXX. XXXX, XXXX, and Experian continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

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 2019-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
A XXXX XXXX credit card was opened in my name 8 years ago. I have called portfolio Recovery collections who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to XXXX and still after a year I have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
sear card close my account when in fact I have documents payments has been made I sent the two showing the payment has been piad and the reported it using another names the same account and refused to give credit for payment 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 current victim of identity theft. FTC report number XXXX. TransUnion, XXXX, and XXXX continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.

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 2017-10-02
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a VA fixed home loan with BBVA Compass and mortgage loan officer ( XXXX XXXX XXXX ) has failed to comply with VA loan requirements, by charging fees I am exempt from. I am a XXXX U.S. military veteran applying for a va home loan. They have not contacted me and or even ignored my phone calls and emails regarding my VA home loan. When I call to check on the status of my loan several representatives of the bank seem to send my in a phone call circle with the end result in no information and just more people to contact just to check on the status of my loan. When I call the following phone number some company answers with the name XXXX. That company is nowhere to be found on any paperwork or documents that I have received from XXXX XXXX or the BBVA Compass bank institution. It is now XXXX XXXX, XXXX a week from the date I found a home to close on and since that time I have not heard anything but it is in underwriting. That was the status last week and that is what I was told today. I have called the bank to check and see if XXXX XXXX even works for BBVA Compass and they gave me the following phone number which I do not have from him ( XXXX ) XXXX. I have 4 phone numbers for him and that is not XXXX of them. Those numbers include XXXX, XXXX, XXXX and the supposedly company phone number XXXX. XXXX is the phone I have called a few times and it is answered by some company called XXXX if I am spelling it correctly. These people have all of my personal and financial information yet they remain unresponsive in their communications concerning my VA home loan. Every phone number I call for BBVA compass sends me through several repeated prompts that take forever to reach a person. This is not the first home loan I have applied for with this company and the process was a lot quicker, however the home was contingent upon the home inspection and was declined by me the purchaser.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
Inaccurate, Fraudulent, unverified accounts reporting on 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 a 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

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

! 5 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 2017-07-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had already paid XXXX off 2 years ago and they claim I never did. I have submitted countless items of proof and they keep sending me to collections. Very unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One has been reporting a charge off debt on my consumer reports. I informed Capital One via certified letter that they are in violation of 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies, by reporting this inaccurate / incomplete information. Additionally, I referenced other Federal laws, specifically, from IRS 2021 publication 4681, where it states : " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return ''. The IRS defines a " Charge Off '' as " Gross or ordinary income '' ; and further states that a Canceled Debt or a Charge Off is INCOME. Therefore, INCOME is not reported on consumer reports. I notified Capital One of this notating 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ; and had given Capital One 10 business days to Cease this erroneous reporting. Capital One has responded by letter asking for further information from me, i.e. the last four digits of the card account number, my identification, and requesting " the inaccurate information '' when, in fact, I have already submitted this information. Some proof of this is notating the last four digits of my account number on their response letter to me. I am uploading all documentation here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Google Compare Credit Cards Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We use Google Pay to collect rent payments from our tenants. Our tenant transferred {$3300.00} to us on XX/XX/2019. On XX/XX/2019 we received notice from Google Pay that our receipt of the payment was suspended due to " Unusual Account Activity '' ( which Google Pay admitted was an error ). 
We contacted Google Pay by telephone on XX/XX/2019 and they said they are having " technical problems '' processing the payment and will " escalate the problem '' to their " product specialists '' to try to resolve this problem with no guarantee that it will be resolved in a timely manner. They said we would be put into the " queue '' behind possibly thousands of other victims.. 
This is totally unacceptable for Google pay to be holding our money XXXX while they are trying to fix their ongoing problems. In the meantime, we can not ask the tenant to cancel the transaction because that would possibly take up to 10 more business days to get his money back - according to Google Pay. 
What can we do to get our {$3300.00} rent payment back that is being held XXXX by Google Pay?

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 2022-08-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE. 
Equifax did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

Equifax has also committed AGGRAVATED IDENTITY THEFT. Equifax willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that EQUIFAX have received my demand to immediately remove XXXX XXXX service and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
Equifax has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from Equifax and from that point on everything that I demanded to be removed shall be removed. Equifax failed to do so! 

Equifax has also lowered my score XXXX points and I was one of the millions of ppl who was effected by that. Im also demanding equifax to properly and quickly fixed this issue. Equifax blamed that error on a TECHNOLOGY CODING ISSUE. This error was dated back to mid XXXX. 

Another consumer law that Equifax has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, Equifax, XXXX and more!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX. Ref # XXXX from XXXX  with acct # XXXX. They attempted to collect {$180.00} saying XXXX filed this. I contacted XXXX and talked to XXXX. This was for a house I sold XXXX  2021, XXXX  XXXX XXXX, XXXX, MO XXXX. XXXX said this debt was paid and they did not turn me over for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: WI
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:
There is incorrect personal information in my file that may be leading to fraudulent accounts being opened in my name or my identity merging with someone elses.

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 2022-04-07
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX is currently holding {$390.00} from my business account and {$310.00} of my personal account. We used square for processing credit card payments at my business and I also use it personally for credit cards. All of this money has had a lien on it since XXXX. I had to file a complaint already on XXXX and the attorney finally sent a release of XXXX to Stripe but now XXXX is saying they need a release too and neither the attorney or XXXX is willing to help me get my funds released to my new account. The company that has the XXXX was filed in the accounts for the bankruptcy. The bankruptcy was XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property tax bill from XXXX XXXX for XXXX is {$720.00}. Because I have an active mortgage, this tax is usually paid by the mortgage holder, PNC Bank. I noticed while doing personal tax research that half of this tax bill for XXXX is still unpaid. The due date for the second installment was XX/XX/XXXX. I have contacted PNC several times. I have been given various excuses for the bill not being, all incorrect. Some staff have claimed there is an " extension '' for taxes for XXXX XXXX. There is no public announcement of any extension and no mention of an extension on the XXXX 's website. I have received no hard copy announcement of any " extension. '' Another excuse I was told was that they haven't received a bill for the second installment. I tried repeatedly to explain that there would not be a second billing because the bank was already billed for both amounts in XX/XX/XXXX. Then I was told the amount would be paid " some time '' this month, but with no explanation for why the payment was not made before XX/XX/XXXX. Late fees will begin accruing on this already overdue payment on XX/XX/XXXX. I have repeatedly told PNC I will not be liable for any late fees. They refuse to acknowledge any pertinent due date or explain why this payment hasn't already been made. I don't understand why they didn't just pay the entire amount last XXXX. I don't understand why they would deliberate let the payment go overdue. I don't understand why they are waiting to receive a " past due '' notice and fees when they've already been billed for the full amount. None of this makes any sense. Why won't they just pay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CCS Financial Services, 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: Problem with personal statement of dispute

Complaint:
In XXXX both myself and my wife settled a collection account with XXXX XXXX # XXXX, accounts # s XXXX & XXXX. When we initially contact this company, we advised them that we are in the process of purchasing a new home and we need these two accounts removed from our credit reports. The representative reiterated that we were on a recording line before we proceeded. We were advised that we could settle both accounts out for less than owed and that they would remove the accounts from our credit reports. We gave them 45 days to update our reports. As of today, XXXX/XXXX/XXXX the accounts had not been removed. We called the company back today and were advised that they were not going to be removed and that it was due to us paying a settlement amount and not paying them in full. That if we wanted to have them deleted, we would need to pay the difference of the balances ( this is way after the fact of the accounts being paid ). We asked to hear the recorded conversation from our initial call and they stated that they would send a message to their supervisor to review it and would contact us back. We would have paid the full amount in the first place had they stated it was not required to have the account removed from our reports. This is unacceptable and from what i can tell, illegal from a collections stand point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased my leased XXXX XXXX XXXX on XXXX/XXXX/XXXX at XXXX XXXX XXXX through Toyota Financial services. The lease ended XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Toyota Financial Services withdrew {$200.00} out of my checking account when they had no contract what so ever to do so. The lease ended the day before. I called them to get my monies back and they insisted I caused the problem by not turning off auto payments through them. Why would I need to turn off the payments when I had paid off the loan.They would not reverse the non authorized charge and stated I would have to wait for a check in the mail. This is flat out stealing!!! Please stop them. I asked to talk to a supervisor and was jacked around by some punk named XXXX that lied about being a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
hi I 'm on payment program with American express from XX/XX/XXXXthey setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XX/XX/XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement, I 'm enrolled in auto-payment since i start this program i never cancel it, and onXX/XX/XXXX i did call you to ask if i need to renew the auto-payment the representative tolled me no i do n't need too its been setup till the balance payed off ( check my call recored with you ) and you did verify my phone number and email address on this call. no one tolled me i have enrolled again since I 'm already enrolled on this program and because you tolled me when i setup this program with you the system will automatically send you statements and balances and notification even if the account closed and I 'm on payment program, i did not receive any calls from you about any change on our agreement and i just call you less on month of your notice onXX/XX/XXXX so i assume this is automatically from you system as you tolled me account number XXXX

Company response to consumer: Closed with non-monetary relief