BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/19 XXXX {$20000.00}

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 non-monetary relief
Consumer complaint received 2023-05-04
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
1 ) I did a balance transfer of {$53000.00} from XXXX XXXX XXXXXXXX Credit Card to Target Mastercard on XXXX 2 ) Target Mastercard returned the payment of {$53000.00} CLAIMING they reversed the payment the same way they got it via Fiserv a 3rd party intermediary used by XXXX XXXX XXXXXXXX. 
3 ) I called Target multiple times in an attempt to track down the money and was given the following information on the {$53000.00} reversal amount by XXXX from Target XXXX ~ XX/XX/XXXX : Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ET {$53000.00} 4 ) I called XXXX XXXX  XXXX - XXXX XXXX advised the following - XXXX XXXX XXXXXXXX Credit Card sent money directly to Target Mastercard for Balance Transfers and does not use 3rd party Fiserv for that purpose - If funds were actually reversed exactly how they were received that XXXX XXXX XXXXXXXX would show the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE MADE PAYMENTS TO 2 PORTFOLIO RECOVERY ACCOUNTS EVEN THOUGH THEY WERE NOT MINE. I WAS TOLD THAT IF I PAID THE ACCOUNTS THEY COULD BE REMOVED FROM MY CREDIT REPORTS WHICH WAS CLEARLY INACCURATE INFORMATION. I HAVE DISPUTED THE ACCOUNTS AND SENT 611 LETTERS TO HAVE THE ACCOUNTS REMOVED BECAUSE THEY WERE NEVER MY ACCOUNTS. MY PERSONAL INFORMATION HAS BEEN STOLEN ON SEVERAL OCCASIONS. THEY SENT A LETTER SAYING THEY ARE VERIFYING IT'S MY DEBT BUT IT ISN'T AND EVEN AFTER IT BEING PAID THEY STILL REFUSED TO REMOVE IT. I HAVE REPORTED FRAUD ON MY ACCOUNT BUT THE SITUATION STILL HASNT BEEN RESOLVED. I EVEN OWNED UP TO THE DEBT IN AN EFFORT TO GET IT REMOVED ALL TO NO AVAIL. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
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 opened a new account with Truist Bank! They changed their name from BB & T to Truist Bank and I asked them to remove the account that said I owe money to BB & T! I opened a new account and they said they will fix it! Thats how I was able to open a new account with Truist because I deposit my lawsuit funds into the Truist account and they agreed to fix the problem about the BB & T account! Now they are trying to change the date of the BB & T account of {$2000.00} owe to a Truist account of the year of XXXX  Why they are trying to keep this on me, I dont know can you please get this fixed and off of my credit report! Because its stopping me from getting my credit up and from openings up and new account with any bank! So that makes me have to do everything in cash setting! Can I please get some help and put this all behind me and move on to a better life! This is really a problem in my life!

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 2022-06-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-18
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-03-28
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has continued to contact me for an unknown, unverified and no validated account. The harassment is causing defamation of my character and reflects negative toward s my financial capabilities as an adult. I can not move forward and create stability for my growing family. I want this bill that does not apply to me to be removed from my name and credit report due to me having no knowledge of it. I don't think that it is fair for it to cause harm to me when I have never had any relationship with this company. Please remove the account with no verification and no validation from my information due to the Fair Credit Reporting Act 15 U.S.C.168Ag.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the write to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furniture an account without my written instructions.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: SC
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:
Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) please delete the following accounts as they were open fraudulently.

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 2018-05-20
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX had a mortgage loan with Selene Finance, LP., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX Identified as Loan # XXXX, for property located at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I sold the house and closed on XX/XX/XXXX. Selene Finance provided a pay-off letter to the closing agent, XXXX XXXX, XXXX in XXXX, XXXX, on XX/XX/XXXX at XXXX XXXX reflecting a pay-off balance of {$240000.00}. on the same day, on or about XXXX XXXX I made a payment in the amount of {$2100.00}. However, the payment was never credited to the pay-off balance and the pay-off letter was never updated. The closing statement reflects a payment made to Selene Finance for the full pay-off balance in the amount of {$240000.00}. When I made my last mortgage payment on XX/XX/XXXX, the statement reflected a pay-off balance in the amount of {$240000.00}. 

I contacted Selene Finance and requested a full refund of the last payment made in the amount of {$2100.00} since the payment was made after the pay-off letter was provided and was never credited to the pay-off balance. I also submitted a request in writing to Selene Finance, but I have been ignored and Selene Finance Refuses to send me the overpayment. 

By way of this complaint I am asking the Consumers Finance Bureu to assist me in recouperating my overpayment in the amount of {$2100.00}, plus the insurance reimbursement made by the homeowners insurance company. 

Additionally, Selene Finance, always charged more escrow that was required and never refunded any excess payments made on the account during the term of the loan. 

I could be contacted by email at XXXX or XXXX. XXXX XXXX, XXXX, XXXX XXXX or on my cellular phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: IL
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:
There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
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

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 2018-02-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I trade in my Toyota Lease into XXXX XXXX XX/XX/17 i have the proof of the trade in, and the contract saying how much I will get for my lease. I paid my monthly payment for that lease XX/XX/XXXX, so after that statement close, I started to receiving my statements with no payments, so I contact Toyota Financial and they make me contact XXXX to get the check to pay off the lease, after to many proofs Toyota keep sending me late payments to me and the cosigner, I called them several times and they explained me that they need some papers, and i keep telling them that I was not the owner anymore. 
Thanks for the XXXX 's seller I get the copy of the check of the pay off of that vehicle XX/XX/XXXX then they asked for another paycheck and XXXX sent too XX/XX/XXXX. I have the proof to who they was talking but they never end to bother me. 

After 60 days or more I received one of the awful calls and then finally the lady told me that they had all the papers there but they never submitted on his companies, she apologize and close the loan. 

After to many months I decided to buy another car and my surprise was they showed me how bad was my credit and my history with that lease ofcourse I tried to explain but doesn't matter because now its on my record something that I didn't supposed to be involved, and after 20 good payments on that car and building my credit. I want to be erase from my credit report or someone need to fix this problem. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Friday, XX/XX/2023, there was a transaction for the amount of {$4900.00} that posted to my capital one account for XXXX XXXX XXXX XXXX. 
I filed a dispute with Capital one stating that this transaction was not made by me and they opened a dispute and temporarily credited my account. On XX/XX/2023 they re-debited my account for the same amount and did not provide an explanation. I am assuming that they are stating it was my charge since they re-debited my account. I filed a police report for this transaction ( attached below ) stating that this charge was made fraudulently on my account. Capital one needs to remove this charge permanently as I did not make this transaction as you can see in my statement on the police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: NJ
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:
In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted XXXX equifax and XXXX. Nothing has been done. A lawsuit is next

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019, I opened a bank account with USAA. My mother, a long-time account holder, eligible based on her fathers military service, helped me do so. 

Between XX/XX/2019 and XX/XX/2019, I deposited {$3200.00} into my USAA checking account and {$550.00} into my USAA savings account, for a total of {$3800.00}. On XX/XX/2019, I was revoked access to my online account portal ; when trying to login, the official USAA app displayed a message instructing me to call. 

When I called that day, a representative told me that my accounts had been closed, that USAA would no longer be doing business with me, and that he was not permitted to tell me why. After numerous phone calls that day, I came to understand that banks are allowed to refuse business to any customer for any reason except discrimination, but are required to return said customers money in a reasonable amount of time. A USAA representative finally confirmed my mailing address and told me that I would receive a check for {$3800.00} within 30-60 days. 

As of yesterday, XX/XX/2019, I still have not received that check. As such, I called USAA to ask when I should expect my {$3800.00} check. The representative told me she could not talk to me. I asked her to connect me with a supervisor. After a short hold she returned to the line and said that she was unable to connect me with a supervisor for the same reason she could not tell me any information about my accounts, and that she was going to end the call. I told her that I would take legal action if she did so. She then hung up on me. 

Thus, I am submitting this complaint against USAA in order to have my {$3800.00} returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: EQUIFAX, 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:
I have never lived at or used address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address was added by XXXX XXXX  because of fraudulent account XXXX that has since been removed from my credit files. A XXXX Police Report XXXX by XXXX XXXX XXXX about this fraudulent account was approved XXXX XXXX, 2017. This address should not be reflected on my credit files as I have never used or lived at XXXX XXXX XXXX XXXX. XXXX XXXX has submitted documents to Equifax to have fraudulent account removed and this address is only related to this fraudulent activity. I have requested multiple times through Equifax to have this address removed from my credit file and yet it still appears on my file. The current Equifax case number is XXXX and was submitted again on XXXX XXXX, 2017. Please request that Equifax removed this incorret fraudulent address from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collector They lie to me they tell me that we're going to take this off because is to old the account an still in my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Ex girlfriend applied for several credit cards in XX/XX/XXXX  using my identity without my consent or knowledge and then made herself an authorized user. Capitol one is the only company that wont side with me and take XXXX balance of my credit score. I never received requested affidavit from capitol one. I filed police report in XXXX XXXX  and place credit freeze with credit bureaus. Attorney contacted them since Ive closed account three seperate times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation