BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CAPITAL ONE : Account number : XXXX, Records show I have now missed only XXXX payment in over 6 years of having this card. This account is set up on autopay and has been for years hence why this account has such a good payment history. I have reached out to notify them that this must have been a mistake on their end as this account is auto charged. I did call them and they acknowledged that a payment was made that month but show how late on a date different then all the other months.PLEASE HAVE THIS FIXED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Enterprise Systems has no Authority to contact me or request any payment from me and I the consumer has a right to privacy, I never gave the debt collector my address, phone number or any information.

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 2020-04-24
Company: EQUIFAX, 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:
I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Chime Financial Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XX/XX/2021, she stole my wallet out of my plains I got paid on XX/XX/2021 of {$710.00}, and XX/XX/2021, of {$26.00} that's a grand total of {$730.00} taken out of my account. Then she stole my phone on XX/XX/2021 and erase my whole life. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  my Chime Account were chime bank saying they can't help me. Stole my mother 's Social Security card that I have of my mother that pass away XXXX yrs ago from XXXX. my twin sister 's social security card. She stole my life and erase it. this needs to be filled out now stole my life and erase all my accounts. In the phone information of my probation officer info and father 's right info of photos and videos of her being an unfit parent. took my wallet and erase my life this needs to be done asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Source Receivables Management LLC
State: MA
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:
I went through a terrible divorce, lost my home, had to file bankruptcy. XXXX was in that bankruptcy and was discharged. On XX/XX/2020, Source Receivables Management put this debt on my XXXX  Credit Report. I believe they are a third party debt collector. As a result they brought my credit score way down. They also call my phone all the time. I no longer answer them. Help!

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My wallet was stolen & I called to let TransUnion that after that someone has been trying to open accounts in my name, They told me even though it may be fraud there was nothing they could do. I told them that was not right & I have sent the paperwork they requested with no outcome. Please help me get these inquiries off my report because I did not do 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 2021-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the XXXX credit bureaus ( XXXX, XXXX and Experian ) disputing a collection account ( XXXX XXXX XXXX ). I asked for validation of this alleged debt for the past XXXX XXXX months. I got a written response from XXXX and XXXX stating the account was verified but no supporting documentation on how their company retained the results and Experian sent response vie email stating that their company verify that the account was accurate. I would like to see supporting documents of their finding when I received a letter dated XX/XX/2021 from XXXX XXXX XXXX that this company required the account from 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 2021-08-04
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a UnionPay Platinum card from ICBC which I got so that I could use it when I travel to XXXX. I havent been able to do all the trips I had planned due to covid. I still pay for the annual fee even though I dont use it much, since I want to keep it for when the pandemic is over. In XXXX my statement closed and the annual fee posted, with a due date of XX/XX/XXXX. I have electronic statements but completely missed it. I received a text message that I was late in XX/XX/XXXX I believe, and I immediately logged in and sent payments to cover the annual fee plus a late fee. Thats ok since it was my own fault. 

My issue is that Ive been trying to confirm with the bank that no negative information will be reported to any credit bureaus since the late payment was less than 30 days, and so far nobody understands my question. If somebody can look into it and actually understand my concern that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: SC
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'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY XXXX REPORT AND EQUIFAX THAT HASN'T BEEN REMOVED. XXXX ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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:
This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus XXXX, and Transunion have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to XXXX on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from XXXX  stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as XXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that XXXX is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed US BKPT CT CA XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE

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 2020-09-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander is trying to collect on repo from XXXX. I settled with superlative adminastration in XX/XX/XXXX. Received 2 phone calls from a media group XXXX called on XXXX and XXXX I emailed documentation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Account status incorrect

Complaint:
This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/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 2022-04-06
Company: EQUIFAX, INC.
State: GA
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, XXXXviolated 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to 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 explanation
Consumer complaint received 2022-04-06
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I'm an XXXX. I use the Western Union website to transfer money to a friend in XXXX who has very little income. I have done this for a couple of years, usually XXXX or XXXX transfers/month. 

Until XXXX of this year, the money was available for pickup the same day I made the transaction. Western Union has NEVER had a problem making a withdrawal from my checking account. 

In XXXX I was surprised the money was taken from my checking account by Western Union, but there would still be a XXXX day delay until it was available for pickup. I made a complaint to Western Union via their website on XX/XX/XXXX, got an email acknowledgement ( We have captured your inquiry under case number XXXX ). 

I emailed them again on XX/XX/XXXX asking for a response. Nothing. 

I believe it is very unfair for them to take the money, use it, and delay the pickup. 

-- -- Recent transactions, XXXX delay pickup delay, money taken next day. 

Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX -- -- Earlier transfers, money available same day for pickup Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX Initiated transfer : XX/XX/XXXX, XXXX XXXX  Money taken from checking : XX/XX/XXXX Money available for pickup : XX/XX/XXXX 10

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to PayPal , Inc . I have never used a PayPal account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: USCB Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USCB has reported a collection account to my consumer credit file in the amount of {$640.00}. Account # XXXX. I do not owe this alleged debt. If USCB has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that USCB is attempting to collect on. USCB has no legal right to attempt to collect a debt. USCB has not validated this debt nor sent me a notice of collection. USCB is in violation of the FCRA and the FCDPA.

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 2021-06-10
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 I received my consumer report in the mail from Equifax stating the account XXXX was deleted. Days later I got on the phone with Equifax XX/XX/2021 to make sure this account was not on my consumer report and the representative stated that the account was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. Since they stated they investigated it and it is accurate, I'm asking who did they interview pursuant 15 usc 1681a ( e )? They did not interview my family and associates pursuant 15 usc 1681a ( e ). I've also let Equifax know that no factual information can be on a consumer report pursuant 15 usc 1681c. Equifax continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Equifax to delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with XXXX and on all my credit reports, it shows that one of my credit cards has been closed. XXXX said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation