BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY TRANSUNION REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYERS - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.

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 2019-04-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are inquires on my report that were not authorized. I have been victim to their inquiry issue. I have contacted the credit bureau and the customer service agent i worked with was not helpful. Below is the list of the inquires : XXXX XXXX XXXX Inquired on XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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 have requested XXXX  and Equifax to remove hard inquiries and block accounts from my credit reports that were a result of ID theft. They have yet to do so after 10 years supplying police reports, FTC affidavits and furnishing multiple other documents from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested to be on auto pay the company said it went through later on I had a late fee due to them never processing the auto pay and i have been trying to settle this since XXXX and they have charged me late fees and interest for the last 5-6 months I have never missed a payment with them in 4 years now due to an error on their behalf my credit has went down XXXX points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received credit card from Milestone  on XX/XX/2022. 
Found out there was an annual fee for {$170.00}. This same company has XXXX similar cards that charges a {$75.00} annual fee but when I applied I presumed there would be no annual fee because this was not disclosed on the application. When I tried to close the account on the same day I was told that it was impossible to do so. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX I spoke with a US representative via phone about inaccurate information that 's being reported by TransUnion. I asked the representative to update my report with my current address, employer and phone number. I also informed the representative that I placed a fraud alert on my account due to numerous unauthorized inquires being reported by TransUnion. I then asked the rep. to remove the inquires because I did not authorize them. The rep. informed me that I had to submit a request via mail in order to have the unauthorized inquires moved. As requested, on XX/XX/XXXX via certified mail, a written letter was sent to TransUnion with a copy of my I.D . requesting removal of unauthorized inquires. On XX/XX/XXXX I received a credit report via mail sent from TransUnion with unauthorized inquires still remaining on my report. I 've made numerous phone calls requesting to speak to a supervisor, each time I 'm told that my account is being handled by the " Specialized fraud team '' but the department is closed each time I call. I 've also asked TransUnion via phone and certified mail to remove an address that 's reporting incorrectly. I was told via phone that the address would be removed but it remains 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 2022-01-13
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Opened an XXXX XX/XX/XXXX XXXX cell phone acct to add to my internet service with XXXX XXXX The promotion offered was 3 free phones, 4th a promotional price of {$700.00} and 5th in exchange for my Iphone ( from previous service provider ) and rewards card in the amount of {$600.00} to go towards the {$700.00} promotional cell. My monthly cell phone service fee was to be {$120.00} a month for all cell service. From XXXX to XX/XX/2021 ( when i closed acct due to no correction of acct ), I continuously called about a bill i had received every month to pay {$500.00}. For 8 months i had received a bill for {$500.00} in which no one could help fix the error. I called the XXXX Sales Consultant that opened my acct, XXXX XXXX, and he said he would fix it. I never got the acct corrected after paying $ XXXX every month ( i was told they would disconnect my service if i didn't pay it ). I closed the acct and then i received a bill for {$3200.00}. This quickly went into collection ruining my good credit. I spoke to credit co and disputed this. XXXX never responded and i advised the credit co XXXX was in violation of the collection practices act and it was well over the 30 days and was in fact more than 90 days. The credit Co then responded by saying they would be ceasing all communication and i would need to contact XXXX directly. I would like this resolved and taken off my credit report. I have all receipts, names and invoices i submitted in the dispute. Please help as this has affected my perfect credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Genesis Credit Management, LLC
State: OR
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:
Genesis Credit collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy.
Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are two different hard inquiries from Capital One in 2017 one in XX/XX/XXXX, and one in XX/XX/XXXX that I did not do. I do not have a Capital One card or any other services with Capital One. My husband contacted Capital One, because he had the same problem. We both let them know we did not want this done. This issue is not resolved. After the first inquiry then another one pops up months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, Experian & XXXX ), the accounts still show as 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 explanation
Consumer complaint received 2021-11-30
Company: Lending Club Corp
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a business checking account at LendingClub Bank, formally XXXXXXXX XXXX on XX/XX/21. After the account was approved and activated, I deposited over a period of a week 8 separate checks in various amounts of between {$5000.00} and {$15000.00}, totaling over {$50000.00}. 

On XX/XX/21 I received an email stating one of my deposits required additional verification and they suspended all access to my account. I could not even login to the online portal. I was asked to provide a paystub to provide additional verification of this deposit and my ID which I immediately followed up by emailing them a copy of the paystub and my driver 's license. A week later I still have no access to the account nor access to any of the funds deposited. 

I have contacted customer service on numerous occasions by phone and email and again today, XX/XX/21, but they refuse to even allow me to talk to a supervisor or bank manager and I get told the customer service agent can not help me. I then requested they reject the deposits and close the account and again, the customer service agent, XXXX, who also refused to provide a last name or any reference to who he is said he could not help with that either. I have no access to my account, I can not even get to login to see what is happening with my funds, I have no access to my funds nor anyway to get to my own money. 

After the XXXX call I finally spoke to an agent who told me the documents I had emailed were in the wrong format and to send a XXXX version and non a XXXX version. But this was not communicated to me in any other

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection has been put on my acct from AIdous and Associates have no knowledge of this acct nor did I receive anything for this debt to be validated I have never even been to a XXXX XXXX  this needs to be removed ASAP. I have worked hard to get my credit together after al the isnt thwft and refuse to allow something fraudulent on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America commit fraud by applying processing and posting transactions in a manner that benefits the organization only. Bank of America has charged me over {$2000.00} in fees since the opening of my accounts. Bank of America has used my credit for capital gains and has denied me several services.

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 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX XXXX company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to XXXX XXXX ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( Transunion, XXXX & XXXX ), the accounts still show as 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 explanation
Consumer complaint received 2018-01-09
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the letter below to the creditor over a month ago with and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX/XXXX/XXXX To : CHASE CARD XXXX. XXXX XXXX XXXX, DE XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

CHASE CARD, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for CHASE CARD to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate, and original copy of documentation with my wet ink signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX Executor of the Estate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: SLM CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under Sallie Mae? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? Sallie Mae couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: FL
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:
My name is XXXX XXXX and Wells Fargo is showing a charged off account on my credit file. I have never had a Wells Fargo account that went into charge off. I was only an authorized user and at no time was I responsible for this thing. It is showing on my report as that I am a cosigner and I AM NOT a cosigner.

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 2017-07-30
Company: Columbia Collection Service, Inc.
State: OR
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:
Columbia Collections company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to Columbia Collections ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, XXXX & XXXX ), the accounts still show as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been receiving a phishing email purporting to be from Equifax. The email had a link in it, which I know Equifax would not use to get me to log in to my account. Also, the bottom of the email lists XXXX rather than their own address. 

I logged in to Equifax to see if they had this same message for me, but they did not, nor could I find this message in my account on the website, nor any information that they would send something like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy thru my attorney XXXX XXXX on XXXX.2017 and got my discharge ( No : XXXX ) from US Bankruptcy Court XXXX District of Texas on XXXX.2017. I checked my credit report on the XX/XX/XXXX and saw that Fidelity Creditor Services Corporation has filed a a new collection claim under a new
Fidelity Information Corp. All other claims have fallen of except for Fidelity Corp ( for XXXX XXXX XXXX ). When I called Fidelity ( a CA based Corp ) they said they never got my discharge. I know this is a lie and a cheap trick because they are moving the claim from one corporation to the other. And, therefore claiming Fidelity Credit Services never got the discharge! This is a fraudulent activity. My debt to XXXX XXXX XXXX pursued by Fidelity Information , Creditor Services and/or any other subsidiary of Fidelity Information Corp has been erased by the US Bankruptcy Court on the XXXX of XXXX, 2017. And, it should not hit my credit report as a collection that requires attention. Account XXXX : XXXX Fidelity Information Corp. XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Fidelity Creditor Services XXXX XXXX XXXX XXXX, CA XXXX Please, get these unscrupulous people of my back. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Webcollex, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company CKS Financial has been calling my number but I do not know them and I do not owe them for anything and I do not know anything about any relatives debt etc., with them. CKS call everyday all day long until I have to turn off my phone to stop the disturbance. I do not want to talk to them because if they look to see who this phone is registered to they would know they have they wrong person..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-30
Company: TSC Accounts Receivable Solutions
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSC is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.

Company response to consumer: Closed with explanation