BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: GA
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:
No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received " your card won't be reissued '' letter dated XX/XX/XXXX from XXXX " due to a bankruptcy or a charge-off '' Phoned XXXX, they say they can not say reason, and to check Experian. 

Credit reports from Experian and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.

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 2020-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am reaching out to Capital One as I am still looking for an answer to why my checking account funds are blocked from me being able to make a withdraw of my funds. This is the second complaint because I was questioned by the consumer protection department about an SBA loan deposit that went into my checking account ending XXXX over three months ago. But on the same day, XX/XX/2020 Capital One consumer protection department also locked my other checking account ending in XXXX and they also locked my daughter checking account ending in XXXX. I am still trying to figure out why no one in the Capital One customer service department was unable to tell me why my funds from all three accounts are being held, hostage. I joined Capital One bank because I thought it was a bank for Racial Equality, but that outlook has changed. I can not see any reason that Capital One has for holding my funds at all, but to hold it for all three is the oddest thing I ever witnessed by a bank. I feel that if Capital One had a legitimate reason for holding my funds I would have been told by now. I never ever had a bank block me from withdrawing my own money from it let alone from all three checking accounts. I also have three credit cards with Capital One and I want badly to cancel them for this matter. I know if I do I will hurt my credit history and this is the part that really XXXX me off. I can not even pay my credit card bills because I am unable to use my money locked up in these accounts. I truly hope CFPB will take this complaint to heart to help the next person who deals with Capital One godlike position to hold someone money in multiple accounts with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via Zelle to the individual, who was soliciting their services, on XX/XX/2021. Nearly XXXX weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My Zelle account was then deactivated, I reached out to my bank who transferred me to Zelle Customer Service because they stated their was nothing they could do. Zelle also advised me that there was nothing that could be done to reactivate my Zelle account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed  : {$490.00}

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 2021-07-19
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$300.00}

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 2018-12-26
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX Received debt collection call and letter on XX/XX/XXXX about a bill I was unaware of from XX/XX/XXXX for caregiving services. I was told I would be sued and my credit effected if do not pay. I had no past knowledge of this debt or late notices from the business. The amount was for {$2100.00} and no chance to dispute this bill for over 4 years and I was forced to pay or be sued.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Bread Financial Holdings, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My husband bought XXXX XXXX from XXXX XXXX and he applied to pay in 12 with no interest with XXXX thru XXXX XXXX. We have made 3 payments and have been charged 2 late fees. I pay my bills thru my bill pay system thru my bank. I put the date that the payment is due and it tells me when I need to send in order to get to the place by due date. On the first payment I made they said they received one day past due date, then on this last statement I sent the bill on the XX/XX/XXXX and the due date is the XX/XX/XXXX which was on a Sunday, so I put date in the system so they would receive by the XX/XX/XXXX. Well they said they did not get until the XX/XX/XXXX because the XX/XX/XXXX was a holiday. I think this is just a way for them to charge extra fees to your account and then at the end of 12 months they can charge the interest. This is ridiculous and I called XXXX XXXX and they said they have had this complaint many times on this company. I feel that ya 'll need to investigate this company for these extra charges they are charging people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Security Credit Service. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: AL
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:
I have wrote Experian two times about deleting unknown addresses and inaccurate information from my credit file but yet they still refuse to delete addresses and the inaccurate information that I have no knowledge about are addresses that I can not receive mail at nor addresses that I never lived at.

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 2018-06-30
Company: Experian Information Solutions Inc.
State: MO
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:
Attached is my ID, all other addresses on my report should be blocked for they are not mines.

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 2022-08-09
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: Personal information incorrect

Complaint:
ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. XXXX  has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE to REMOVE Phone Numbers : 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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent XXXX  several disputes on inquiries that are listed on my credit report that I did not authorize. I told them that is was a violation of the Fair Credit Reporting Act Section 168b ( c ) and that it was a serious breach of my privacy rights. XXXX  keeps responding back saying that the inquires are factual records of file access. These inquiries are unauthorized and i want them deleted immediately. They are non account holding inquiries that the refuse to investigate and delete. I have wrote several of these companies and just within a weeks time I have received returned letters back because the mail is undeliverable and these are the addresses that I got from my XXXX  report for these companies. How can they verify these inquiries if they are sending me undeliverable mail back. XXXX  is not investigating my report correctly.

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 2020-02-05
Company: AFNI INC.
State: UT
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 is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Exeter Finance Corp.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: MI
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 disputed an inaccurate account with Equifax, XXXX and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( Equifax and XXXX ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XX/XX/XXXX and XX/XX/XXXX. I am entitled to a fair and accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA bought my bank, Simple, and today was supposed to be the transition. Their system is broken, Im locked out of my account, and I have been trying repeatedly to get through via phone and online and I cant get ahold of anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I transferred {$1300.00} from my XXXX acct to PayPal acct via mobile phone the deposit never occurred n when I followed up with PayPal they said the money transferred to another account with the same phone # as mine and they can not do anything about it. I have filed complaints with FDIC on XXXX only as they do not have jurisdiction on PayPal. I have numerous internal complaints with PayPal n both banks blame each other n take no responsibility in resolution its been 2 months now???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX  shows the account is in collections. XXXX and Transunion are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!

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 2021-05-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via XXXX to the individual, who was soliciting their services, on XX/XX/2021. Nearly two weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My XXXX account was then deactivated, I have reached out to my bank, Navy Federal Credit Union, who transfers me to XXXX Customer Service because they state their was nothing they could do. XXXX also advised me that there was nothing that could be done to reactivate my XXXX account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. 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. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.

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 2019-03-26
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have XXXX XXXX XXXX loan XXXX. I have no way to contact them directly and wonder if the statute of limitations has expired. I can not get a response from them. I don't know if I am part of the XXXX   lawsuit but they are now trying to sue me, they've filed a civil complaint against me. The loan is from 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had an ongoing dispute with Quicken mortgage concerning unreasonable late fees, add on costs, and escrow payment disputes. Now this company is threatening foreclosure even though my latest mortgage payment was recorded in a fashion. My current complaint id is XXXX i want this company to quit harassing me, they threatened to ruin my credit and they already performed that action with XXXXXXXX XXXX  which has severly threatened my credit rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Investigation took more than 30 days

Complaint:
i need several accounts validated

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 2021-07-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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:
IVE HAVE SENT SEVERAL COMPLAINT LETTERS, NO REPONSES BACK OR RESULTS I CALLED SEVERAL TIME AND IVE BEEN TOLD TO WAIT AND IVE WAITED TILL NO RESULTS FTC REPORT WAS SENT ALONG WITH MY COMPLAINTS ASWELL, THESE INCORRECT ITEMS ARE EFFECT MY LIFE TREMENDOUSLY

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