BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I was making a purchase through pottery barn. When going through the checkout process there was a an offer to open a credit card which could earn double the rewards on todays purchase or have promotional financing. I went to the more information page where it confirmed the details and then applied through capital one. I submitted the application and received an approval which stated " your new card is ready to use today. Your physical card will arrive in 7-10 business days but you can ship with your new card right away ''. However when attempting to use the new card by following the link to return to shopping the card wasn't there. I contacted pottery barn who said i would need to contact capital one. I called and the first person I spoke to said I could only do so if it has a virtual card and not all cards have that. He said I would need to check online. When I told him it didnt show anything I asked for a supervisor because it said I could use the card the same day but then after waiting on hold for a while he ended the call. I called back and the person I spoke to said you can't use the card the first day and would need to contact the pottery barn area. I was transferred and then was on the phone for almost an hour trying to figure it out. I was told that I can't use it the same day. I told them this is false marketing and advertising and not ok because I only opened the card to use it for that purchase and I wouldnt have opened the card if I would have had to wait 2 weeks to use it. She tried walking me through several different processes and none worked and then told me I was having issues with it. No, capital one was having issues and falsely advertising what the card could do. It is incredibly deceiving to tell someone to apply for a card for that purchase to get benefits and then not be able to use the card. The card also offers double rewards through pottery barn for the first 30 days but if I dont get my card for 2 weeks, half the time of that is wasted which is also false advertising. The person I spoke with reviewed with me exactly what their website said but didn't seem to care or be willing to just give me the card number so I could add it to the pottery barn account. After over an hour on the phone and multiple transfers all i was told is that the card couldn't do that. I have screenshots showing the approval with the exact verbaige from capital ones website as well as what pottery barn says at check out. Not only is the false advertising not ok but neither is the companys unwillingness to fix their own issue or act like they care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-24
Company: EQUIFAX, 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:
XX/XX/XXXX BOUGHT FURNITURE AT XXXXXXXX XXXX NEVER GOT COPY OF CONTRACT AND SIGNED ON TABLET AT STORE WITH 2 OTHER WITNESSES. WAS TOLD WOULD RECEIVE ALL IN MAIL WITH COUPON BOOK. NEVER RECEIVED COUPON BOOK TILL EARLY XX/XX/XXXX. FIRST PAYMENT STATED DUE ON XXXX RECEIVED CALL ON XX/XX/XXXX SAYING LATE AND PAID BY PHONE MY BANK TRANS # XXXX XXXX CONTINUED TO LUMP MY PAYMENTS UP AS THEY REPORTED TO CREDIT REPORTING AGENCIES SHOWING ME LATE INSTEAD OF FIXING MOVED ON MY CREDIT REPORT AS LATE FROM XX/XX/XXXX TO XX/XX/XXXX. PAID THOSE MONTHS SOME IN ADVANCE AND XXXX  NEVER HAD PAYMENTS APPLIED CORRECTLY TO EVEN KNOW WHEN I WAS DUE. SINCE THEN MY INSURANCES HAVE INCREASED 40 % FOR MY AUTO, BUSINESS, MY CREDIT SCORE DROPPED DRASTICLY, I HAD ONE CREDITOR LOWER MY CREDIT CARD LIMIT FROM XXXX TO XXXX INCREASE INTEREST COSTS AND DENIALS AS WELL. I ALSO PAID THE 36 MONTH ACCOUNT OFF IN 8 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.

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 2019-09-30
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AD ASTRA RECOVERY SERVICES {$780.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this three account that I am not aware of, I tried to dispute it, and request for debt validation to proof that the accounts really belongs to me. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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 is missing that should be on the report

Complaint:
I sent transunion a letter with a copy of my social security and other identifying information. Some representatives have said that they can see it on my account, while others say they can not. 

Regardless, I sent the letter a year ago, in XX/XX/2020, and was under the impression that it would be resolved., and due to the inconsistency in their information, i am not comftorable sending additional information, nor should I have to. I sent you this information already. I dealt with their brutal and terrible customer service. Its not happening again. I am not sending this sensitive information over the mail again, especially considering the TransUnion either lost it, or it has been received. 

This issue further stems from their error of misreading my original SSN. As a result, they should fix it. I have been unable to get a credit card for 2 years ; this has been a serious affect on my ability to be financially independent and to have access to credit when i need it. 

Furthermore, Sensititve informationespecially SSNs should be taken better care of then this. 

Honestly, TransUnion needs to be punished. They are hurting millions of people like me evereyday by not simply doing their jobs.

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 2021-07-20
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
'oportun ' is mailing pre-approval letters to nevada residents. the residents are not in fact pre-approved. 'oportun ' is stating verbally, that a loan decision will be made in 15 minutes. this is false. when 15 minutes passes, 'oportun ' states that a decision is made within 24 hours. this is false. when 24 hours pass, 'oportun ' states that a decision will be made in a few days. this is false, when a few days passes, a decision is made in 2 weeks. 

oportun sent me a false denial letter in the mail after 2 weeks. the letter stated that the loan was denied, because they were unable to verify my identity. however, this is false. I verified my identity, including scanning and sending verification of identity documents on Day 1. I then personally reached out on a daily basis, each time verifying my identity with random agents by phone. I uploaded all requested documents. The denial reason was false. 'Oportun ' is using a false denial, for their applicants, while doing hard credit pulls, with no intention of doing an accurate underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail today 2 letters from Wells Fargo. One had a debit card and the other a PIN. I also received a welcome package from XXXX XXXX with checks and deposit slips. Luckily, both were sent to me and I am able to report it. I called both Financial Institutions and reported that I had not opened either of these accounts. 

Wells Fargo confirmed that there was no activity on the account. XXXX XXXX  rep could not confirm since they are not allowed to view that in that department. The XXXX  account seems to have been opened XX/XX/2021. 

I also asked for a fraud alert from XXXX, XXXX and 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 2022-02-07
Company: PNC Bank N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX Assistant Vice President PNC Bank, Office of the Customer ( XXXX  ) XXXX XXXX Listed below are the fake deeds with mortgages held at PNC Bank. 

Instrument XXXX - states that the parcel ID # is XXXX Instrument XXXX - states that the parcel ID # is XXXX Both deeds reference address : XXXX XXXX XXXX XXXX, XXXX Neither of these deeds are actually related to XXXX XXXX XXXX which is actual parcel # XXXX Mortgage from fake deed Instrument XXXX - states that the parcel ID # is XXXX. 

This mortgage references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX. 

This mortgage also references instrument XXXX, ( as stated above shows parcel ID # is XXXX ). 


Mortgage from fake deed XXXX XXXX - XXXX that the parcel ID # is XXXX as well as XXXX further along in the document. 





XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
- The FTC site says that I can go to XXXX to download my credit reports from XXXX, XXXX, and TransUnion. I did that for all 3 agencies.

- There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. 
- I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports.

- I also don't want to spend hours calling the 3 agencies to get my credit report.

- In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. 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 2020-01-16
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.

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 2022-02-24
Company: Genesis FS Card Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i had a credit card with indigo master card ( Genesis FS card services. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of XXXX XXXX capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

indigo master card Genensis FS card services XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Atlanticus Services Corporation
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aspire is in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 2 ) and 15 USC 1692f ( 8 ). 
PLEASE CHECK ATTACHMENTS BELOW FOR PROOF OF VIOLATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Over the past 12 months, possibly more, " Halstead Financial Services '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone.

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know XXXX will ultimately handle all wrong doings, so I find solace in that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I cashed three checks and sent them to a person that was running a scam on me but i did not know that at the time. I was told by XXXX XXXX XXXX to cash these checks for his sick mother and send them to the nurse since his account was a business account he could not cash them out of. He had an account also with My bank in his official name and would have his secretary get the checks to me and I would send to the nurse. I didn't know this was a scam until the checks bounced. The nurse who I sent the checks to was 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 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I ATTENDED XXXX XXXX XXXX IN XXXX HOWEEVER THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE

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 2018-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  XXXX XXXX credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXXwith a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX  XXXX is still reporting the account as open through XX/XX/XXXX with Equifax and XXXX ( XXXX is reporting closed status as ofXX/XX/XXXX ). In addition, XXXX  XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called Bank XXXX XXXX XXXX XXXX asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief