BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, XXXX or Equifax to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX  ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
Equifax is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to Equifax to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, XXXX or Equifax and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
There's a collection from ad Astra ( XXXX XXXX ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
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 belongs to someone else

Complaint:
I learned from authority and being under investigation that am a victim of identity theft. The FBI told me it 's an inside job. My drivers license have been stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My date of birth have been changed with all three credit agencies. All of my former employers have been changed. My social security card have been stolen. I 'm using my maiden name, which is XXXX. A seven year fraud alert have been placed on all three credit agencies. XXXX XXXX once lived with my late father XXXX XXXX XXXX. She knew he was my emergency contact, prior to his XXXX and was stealing my mail. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are sisters and they are working together. In 2005 I filed a XXXX XXXX law sue. My XXXX was prepared by them without my knowledge. Credit was being abused while I was under wage earner, my rights was violated under the wage earner courts. The case number for the law sue is XXXX. XXXX XXXX XXXX. Tax returns are being filed using my personal information. Fraudulent transitions are being reported to IRS. XXXX-mortgage statements.

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 2022-01-19
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a customer of Citicard for 26 years. My bills are on autopay. 

I recently looked at my account statement and the numbers don't add up. I have not had this problem before. I first spoke with a representative, then a supervisor, and now ( XX/XX/19 ) a person ( XXXX ) on the corporate team. They have been unable to explain the bill to me and are giving me somewhat contradictory information. I asked XXXX several times if I could speak to someone else and he refused, saying he was the highest level. I finally gave up in frustration.

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 2019-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX USA ( XXXX ) XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX USA amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: XOOM CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX  On XX/XX/XXXX Xoom XXXX transaction XXXX  was initiated at XXXX. The funds from my bank account were taken within 30 sec of starting the transaction. During the setup Xoom XXXX stated the funds would be credited to recipient account in 3 minutes. 
It was noticed that the transaction status remained unchanged till XXXX XXXX  so I decided to cancel it. 
It was a typical case of misspelling the services and misleading the client. The transaction was in freeze mode for almost 5 hours with no update from Xoom XXXX. When it was reported to customer services, they failed to provide a satisfactory reply. 
It was unacceptable that though Xoom XXXX debited customer account immediately but failed to complete the transaction within stipulated 3 mins. Further customer service didnt follow the SOP of informing the client when transaction for any reason was not completed. 
Xoom XXXX commits to complete funds transfer in 3 mins but when it fails, it doesnt inform the sender about it thus keeping customer 's funds for long and no explnation given to client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lanier Collection Agency has been contacted regarding XXXX debts for the same amount {$1200.00} that appear on my credit. I have disputed these discrepancies Several times. When I ask how they verified the debt I get the run around. I spoke with XXXX and I told her to verify the info since she knows its mine. And she refused my answers and proceeded to call me a liar and tell me I am being untruthful and she will be requesting my personal info from the original creditor. I explained to her that at the point of reaching out to their offices my next best option was to file a complaint. This is my 3rd time telling them this is not my debt and they have yet to produce anything or send anything proving to me. They just keep calling. I am a single mother who left a XXXX XXXX situation. I dont have alot of resources and I work XXXX jobs to make ends meet. The area I live in isnt safe and the cost of living keeps creeping up. So I would appreciate this debt being removed from my record as it is not mine and all it is doing is hindering me from bettering my life for the sake of my children. Please assist me with putting this matter behind me and having this company stop harassing me over XXXX debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: DISCOVER BANK
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my credit card account on XX/XX/XXXX. I paid a {$500.00} deposit to secure my credit card credit limit via electronic bank transfer on XX/XX/XXXX. My account is paid in full with the last payment posting to my discover card on XXXX XXXX, XXXX. My balance is at {$0.00}. The company is refusing to refund my {$500.00} security deposit and saying I have to wait two more statement cycles and then they will mail it back via paper check. This is absolutely absurd. If I am 30 days late on my payment I am charged a late fee and my credit rating is affected negatively ; however, this financial institution thinks they're entitled to 60 days to refund my deposit and then additional weeks to mail it by check, and isn't compensating me or paying any interest to me for the extended delay for holding on to my money. I want this matter resolved in a timely matter and want the security deposit funds deposited via electronic bank transfer back to the XXXX XXXX account on file with them that the funds came out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Self Financial Inc.
State: NC
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 reached out to the creditor " Self Lender '' in regards to a FCRA VIOLATION with a closed account. The creditor is not reporting the SAME INFORMATION ACROSS ALL 3 CREDIT BUREAUS. All 3 reports show different information. This is a FCRA violation and a violation to my FCRA rights WHICH DEMANDS REMOVAL OF THE ACCT!! I have sent valid proof of this issue and the creditor still failed to comply to CORRECTION. By law due to these violations the account must be removed from the credit reports! I HAVE DISPUTED THE ACCT AND STILL DID NOT GET THE CORRECT RESOLUTION. 


MY PAYMENT HISTORY SHOWS TOTALLY DIFFERENT ON ALL 3 CREDIT REPORTS! 
ON XXXX IS SHOWS NO PAYMENT HISTORY AT ALL!!! >>>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PAYMENT HISTORY FROM XXXX. THE ACCOUNT CLOSED IN XXXX IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PARTIAL PAYMENT HISTORY.>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DATES OF LAST ACTIVITY ARE ALSO DIFFERENT ON THE REPORTS>>THIS IS ANOTHER FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DOCUMENTS ATTACHED SHOWS VALID PROOF OF ALL THESE FCRA CREDIT VIOLATIONS DUE TO INACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019.

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 2017-07-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am set up under a interest reduction plan and my payments are {$200.00} which is due on the XXXX of each month. I was informed by Navient that the only way I can be enrolled in this program if I set it up on auto payment with my checking account. Well I have faithfully made my payments on time for two years but I have found myself in a financial burden from time to time so XX/XX/XXXX, 2017 was late and it made my checking account overdrawn because the money was not in the account but the payment was paid on XXXX XXXX, 2017. The problem occurred when Navient took out another payment of {$200.00} on XXXX XXXX, 2017 even though the XX/XX/XXXX payment was paid on XX/XX/XXXX. I contacted Navient and everyone i spoke to told me they had no record of tht payment. So when I spoke to supervisor she informed me to send the bank statement showing tht they took the payment out on XX/XX/XXXX ans proof that my checking account was overndrawn and they will reimburse me for the {$37.00} overdraft fee. I sent in the bank statement and highlighted the payment that was taken out as well as the over draft fee. I followed up with Navient to ensure they received the documents and the agent informed me they did and filed for the reimburement then informed me i should receive the reimbursemetnt within 7-10 business days after the 10th business still not reimbursement. My other problem I have worked with Navient for years my account is up to date but I feel that I am being taking advantage of when I took these loans out I was young but I accepted my mistake but I do not feel this company Navient which was once known as XXXX XXXX should continue making my life miserable please help! I am desperate i work full-time and i try my best to pay all of my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned my XXXX XXXX 3 months early ( 39 month lease ) on XX/XX/XXXX as part of a " pull ahead '' arrangement and I signed a new 36 month lease for another car ( XXXX XXXX ). 

On XX/XX/XXXX I received a letter from VW Credit , Inc. ( dba Audi Financial Services, " AFS '' ) indicating that I owed monthly payments on the XXXX and that failure to pay may result in them reporting to the Credit Bureaus. I called XXXX that evening to express my concern about the letter as I did not owe monthly payments on the XXXX as I'd returned it at the end of XXXX. 

AFS said that this is a dealership issue and that I should contact the dealership. 

The dealership said they submitted all the paperwork to AFS but that AFS hasn't taken care of it because they have computer issues and are otherwise backed up. They even shared a " grounding report '' statement with me that was generated on XX/XX/XXXX. 

On XX/XX/XXXX I received an email from my bank that my credit score dropped [ xx ] points. 
I pulled my XXXX credit report which shows that XXXX was OK and had no Balance or Past Due - this makes sense as XXXX was the last month I had the car. However, XXXX, was noted as 30 days past due. 

I immediately called XXXX and sent them the grounding report I received from the dealer. They said they would correct any issues with the credit reporting agencies. 

On XX/XX/XXXX I called AFS who said that the credit mark was reversed on XX/XX/XXXX and that I'd receive a letter from AFS. 

On XX/XX/XXXX I called AFS who said that I shouldn't have been expecting a letter from AFS ; the letter would be from the credit Bureaus but that he'd generate a new final statement with excess wear and tear costs that I owe on the car. 

On XX/XX/XXXX I called XXXX to see if they received the correction from AFS. They indicated that the last update they had from AFS was XX/XX/XXXX. 

On XX/XX/XXXX I called AFS who said my account was sent to the credit team for adjustment, but that it didn't get done. She was going to request it be rushed through within 24-48 hours and she is really sorry. She also said she would note that my account had a complaint. 

My understanding of 12 CFR 1022 is that AFS has 30 days to correct misreported data. I called AFS on XX/XX/XXXX and its 58 days later with no action taken to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my Trans Union, XXXX and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, 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 2018-01-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

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