BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-12-03
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with AD ASTRA RECOVERY SERVICE. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company AD ASTRA RECOVERY SERVICE in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: FL
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:
While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX XX/XX/2018 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.

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 2020-08-29
Company: Collection Information Bureau, 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: Information belongs to someone else

Complaint:
On XX/XX/2016, DOCTORS BUSINESS BUR added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

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 2020-08-29
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : Security Credit Services is reporting an " alleged debt '' in the amount of {$11000.00}. 

This account was never validated. This is a violation of my Constitutional Rights. Please request deletion asap.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Consumer Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2018, my sister sent me a recorded voicemail addressed to me regarding a civil complaint that was to be sent out as a court summons. The message was threatening and I was surprised as to why and how it was sent to my sister. XXXX XXXX, a local process server, left me this message with a contact number which I called immediately which is XXXX. I was told that I had a XXXX XXXX debt. At the time, I did have the mentioned debt but it was already being handled with a legitimate creditor. That day I made an inital payment via debit card of {$430.00}. For the next five months ( XXXX ), {$170.00} was automatically deducted from my card. Yesterday, I stopped future payment with the companys billing services ( XXXX  ) and also contacted my bank to stop any deductions as well. Yesterday, I got a voicemail from XXXX XXXX, a lead paralegal of the firm. Her number is XXXX. The past two days Ive tried to contact her but I only get her voicemail. There is also a possibility that they reported my refusal to pay remaining balance to credit agencies. My score suddenly dropped 5 points immediately.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-13
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
The unauthorized hard inquiry was made by XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2018. I don't recognize this company, and I never give consent for hard pull on my credit report. 

I can't find any information about this company online, not even an address. I believe this is an identity theft because I also got many spam calls using the real SSN and police department number ever since.

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 2018-03-29
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called walmart service number on the back of the card on or around XX/XX/XXXX and explained that I had been through a hardship and wanted to get my walmart card back on track I told him that I couldn't make a payment until XX/XX/XXXX and will pay the rest of the balance XXXX by the next due date. Thinking everything was fine until I got an alert from the credit bureau that my walmart card was closed on XX/XX/XXXX wow I thought they were working with me I guess not. I called the number on the back of the card on XX/XX/XXXX to find out what happened to the agreement. The lady on the stated the call would be recorded that's fine so I told her that I would be recording the call as well and she said that it wasn't ok so we ended the call. I just wanted to record it because of the call on or around XX/XX/XXXX when i made the arrangement to make a payment by XX/XX/XXXX. They obviously lied about helping me get back on track. I spoke with an attorney prior to trying to work out things with my credit cards he told me to just file bankruptcy because they are not going to work with me. He was half way right all of my credit card companies and mortgage is working with me except XXXX XXXX cards. After the phone call I get some email from a collection agency. XXXX XXXX is not interested in helping customers when they have fallen on hard times.

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 2020-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX a charge in the Amount of XXXX appeared on my statement. This was charged to my capitol one credited card The vendor name was XXXX * messy. I contacted capitol one emediatly to dispute transaction. I was informed that a dispute resolution form was being mailed. The amount was taken off my account. I never received any form. I followed up with capitol one on about XX/XX/XXXX XXXX. On XX/XX/XXXX the amount of XXXX was back on my statement. I spoke with 6 different individuals from Capitol one in reference to this issue. No one seemed to care or was willing to help. At the end of the day I was left with no results and furthermore XXXX capitol one canceled my card that was current and in good standing. Goal is to have capitol one to issue me another card with the same terms as this problem is no fault of my own. The capitol one fraud claim # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to resolve this issue multiple times with no out come on my credit report 2 times shows my last payment in XX/XX/2017 which is clearly wrong and can not be on my report more then once

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I paid for wire transfer of {$50.00} ( XX/XX/XXXX ). After I paid, the agent told me the money was on hold until I placed a call to answer some question. When I called I was told there was an hour hold time. I was then transferred to another department for a refund code. I was given a code. When I went back to the store and presented the code, I was told it did not work. ( XX/XX/XXXX ). The agent at the store called and was told that the refund was sent to the country I was sending the money to. I came home and spoke to a supervisor named XXXX ( XX/XX/XXXX ) I was told that I would be called in 24 hours  with a new refund call. I havent received a call. I call again ( XX/XX/XXXX ) and spoke to another supervisor who now says a refund code has not been generated and I should wait 48 hours for a call to be given a refund code. My big mistake is that I paid cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
credit company ( XXXX  ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( transunion ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed 2.Credit company ( transunion ) will not remove this old account delinquencies name XXXX XXXX XXXX date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed

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 2019-03-14
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX  will not correct.

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 2018-03-29
Company: National Arbitration Forum
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company keeps calling stating there is fraudulent activity with my bank account and social and they are leaving messages repeatedly and saying they are accepting the message as knowledge that I received notification and will be taking further action against me and then states Good luck last message stated it was from a XXXX XXXX. I called them back and asked for their address so I could contact a lawyer due to harassment they said they were not entitled to give me there address that that information was none of my business and that they would be filing criminal charges against me for asking and for harassing them and they hung up on me. Ive been told in the past this is in relation to a payday loan of which Ive never applied for ... .I live in a WV which is a state that does not allow payday loans so it would be impossible for me to have one.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-29
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello there is a company, TrueAccord that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. TrueAccord and XXXX XXXX XXXX XXXX should be ashamed of themselves for going after someone that has been victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my single family home XX/XX/2019 at which time my mortgage with Bank of America was paid off per the payoff statement received by the title closing company. Bank of America has failed to refund my escrow account balance of {$2100.00}. As of this complaint date it has been over 2 months since the closing, well beyond the CFPB required rules to refund within 20 days of the loan payoff. 

I have contacted Bank of America numerous times :  XX/XX/2019 -- I receive my promissory note stamped Paid In Full from Bank of America, sent to my old home address that I sold. No escrow check included. 

XX/XX/ 2019 -- I called Bank of America and they tell me a check was mailed to the old address of the home I sold. Check never received. 

XX/XX/2019 -- called again and requested Bank of America to reissue check to new current address. 

XX/XX/2019 -- I received an escrow account activity report Dated XX/XX/ 2019 at my new address from Bank of America showing they owed me {$2100.00} and that the escrow was paid out XX/XX/2019. No check included with the report. 

XX/XX/ 2019 -- called Bank of America again. Was told that they had no request to issue a refund check of the escrow. I again requested a check be sent to me. 

XX/XX/2019 -- called Bank of America again. Was told that the check has not been issued and I need to wait another 10-15 business days.

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 monetary relief
Consumer complaint received 2017-08-03
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Consultants have a collection account on my credit report that I was not informed of AT ALL. They never sent me a notice at all where I could request validity and verification of that debt in which I am disputing. I am documenting this case right now for legal action if necessary and CC'ing my attorney. This collection is for {$470.00}. I reside at XXXX XXXX XXXX XXXX and never even heard of this company. I will be filing identity theft report and an affidavit as well since this is not my debt at all. CC : Consumer Affairs, FTC, BBB, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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