BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: TD BANK US HOLDING COMPANY
State: UT
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:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Nordstrom/TD Bank resulting in fraudulent inquiries on my XXXX credit report from TD Bank . I exhausted all reasonable attempts to contact both TD Bank and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. TD Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent TD Bank inquiry removed from my XXXX Credit report. The dates of the fraudulent TD Bank credit report inquiry is XX/XX/XXXX. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by TD Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: Walwick, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was  two  months ago and still i have not received any information.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court

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 2020-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2019 there were multiple inquiries not authorized by me. The only companies authorized are XXXX XXXX and XXXX XXXX. The others on XX/XX/2019 are not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: DISCOVER BANK
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:
During the month of  XXXX   XXXX ,  XXXX  i traveled out of town from   XXXX   to  XXXX   XXXX ,  XXXX . During this time i was gone from college for   XXXX   XXXX  . However a few weeks after i got back i got a letter from  Discover  saying i was denied a credit line increase request. I never authorized this as is why i claim it fails to establish " Permissable Purpose '' as noted in the FAIR credit reporting act. I have been with discover for nearly a year and a half. In the past i submitted an aplication in  XXXX  and my credit card application in  XXXX   XXXX . I have never had an issue with the company up until now. During the year  XXXX  i found an error on my   XXXX   credit report of a company named "  XXXX   XXXX    XXXX   ''. I had never had contact with this business as is why i disputed and placed alerts on all my reports. I extended the alerts and the companies are notified that i have to be contacted before extending any credit. After filing a previous complaint discover insists i made this credit line increase request. I will continue to dispute that i authorized the request because i did not apply for any credit. It is to the best of my knowledge to state i still have  those alerts on my files. I recently received correspondence from Discover Executive office of Customer Advo cacy, stating they will not remove that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
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:
XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am an American working in XXXX as a XXXX. Sending money home for bills, student loans, and for my family during covid is very difficult as the XXXX government makes is hard to do. I have been using paypal for over two years to send money home. I did not send any money home for a while and so for the last couple months when I finally did it was a large amountaround {$7000.00}. PayPal decided to close my account and will be holding my money for 180 days. I do not have this time. I have already submitted one complaint to the CFPB and the result being that PayPal still will not release my money. In their response they said that they asked for a bank statement which was untrue. I provided my passport and proof of my address from in the states. Also, they said that my web address looked suspicious but that is only because in XXXX I have to use multiple VPNs in order to access the internet. 

Please help me resolve this. PayPal did not ask for any bank account proof though they said that they did. This money is important to me and my family. My email is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} IXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: AmeriCollect
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:
Americollect inc has listed collection accounts on my credit report. Americollect has not provided me with service details. Americollect inc is not licensed in the state of Florida to collect on debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've contacted Equifax several times to explain to them that I am not able to populate any data on the website..such as my credit report, score summary and personal information. 

I took screenshoots of the the main page which indicates that the last update was XX/XX/21 and XX/XX/21. 

I spoke to several individuals from the fraud and dispute department that stated that a technical issue report would be made and I would be able navigate properly within the website. As to date it's still not functioning properly. 

I've exhausted myself in the frustrations likewise subsequent to being a consumer compromised with my credit. They have done many things improperly including just recently deducting XXXX points from my score and the reason states- is because of decreased balance of my XXXX. 

I'd like to rebuttal this since if I've a decrease in balance my score should have increased XXXX points. 

The representative I spoke to stated that she could tell me my credit score however she stated it was over XXXX. She said to wait 3 days then try to log in and that I should be able to sign in and everything will be updated and fixed. However to date it's not My score has decreased for reasons that are violations to the consumer protection laws and those of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: TENET HEALTHCARE CORPORATION
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:
Syndicated Office System s, LLC Has not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Bread Financial Holdings, Inc.
State: OH
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:
I have a issue with COMENITY BANK keeping closed accounts on my credit report when I spoke to a representatives she told me it could take up to XXXX to have close accounts removed from my credit. This is XXXX! It close to 5 Months since these accounts were close AND IF CREDIT REPORTS ARE UPDATED EVERY month WHY ARE they still THERE. It takes less time to add bad report on someones credit. I NEED something TO BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: IQOR US INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate, ( XXXX ) XXXX, has called at least 10 times ( almost every weekday ) since XX/XX/2020, sometimes in the morning between XXXX & XXXX XXXX and sometimes in the evening between XXXX & XXXX XXXX The phone rings only once and they never leave a message.

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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off a second mortgage on XX/XX/XXXX. Bank of America is required by Virginia Law to provide a lien release to the county/city where the property is located to release the mortgage lien within 90 days or face a {$500.00} fine. On Wednesday, 90 days will have been reached and I want confirmation that Bank of America is going to receive the fine they are due. I have reached out to the bank dozens of times and they refuse to provide me with any evidence that they are processing my request. Bank of America was sued by New York for {$6.00} XX/XX/XXXX in 2 class action lawsuits for this exact same thing back in XX/XX/XXXX. Failure to provide the original letter of satisfaction to the clerk 's office to release the lien. They are doing it all over again and it is XX/XX/XXXX. The attorney general needs to file a class action lawsuit for Virginia customers of Bank of America and ask for {$10.00} XXXX because Bank of America is obviously flaunting the law.

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 2017-06-10
Company: RICHLAND HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know where this credit is being charged for. I have never received services from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used my Savor credit card, by Capital One, to pay {$90000.00} as a part of payments to home renovations ( including flooring, painting, kitchen cabinets, countertop ) contracted with XXXX XXXX XXXX XXXX XXXX None of the services contracted were completed by the contracted company. After attempting to resolve the issue with XXXX XXXX XXXX XXXX ( documented ), I disputed the transaction and Capital One and faxed invoices and proof of my attempts to resolve the issue with the merchant. Capital One issued a purchase adjustment to my account, pending investigation. On XX/XX/XXXX I received a letter from Capital One requesting additional documentation ( the same documents I had already sent ), and stating that if they did not receive the documentation by XX/XX/XXXX, we may charge {$90000.00} back to your account and consider your case closed. On XX/XX/XXXX, I received another letter, stating we are unable to assist you with your claim. Contact the merchant and work directly with them. On XX/XX/XXXX, Capital One issued a transaction refill of {$90000.00} to my account. After spending hours on the phone with several customers account managers, no one seemed to know what they were talking about regarding my dispute. One said manager, requested a valid second opinion by the company that was hired to complete the service undone. On XX/XX/XXXX, I faxed a letter with a second opinion they requested. On XX/XX/XXXX, I called again and spoke to an XXXX XXXXXXXX, Mr XXXX XXXX employee ID XXXX XXXX   according to him ), who, after placing me on hold multiple times to review the documentation and communicate with the office people that decide this, stated I will call you within 8 to 10 days. I think we missed the deadline with MasterCard. 
Capital One has failed the obligation to protect the me, the customer, from a fraudulent merchant. Therefore, I am asking the assistance of the Consumer Financial Protection Bureau to resolve the issue. Case number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I put my money into XXXX wallet and now I'm unable to do anything to it due to " gas fees. '' I don't get a choice to even pay for gas fees, I can't get past the page to complete the transaction. I spent money to send it to my wallet and that was a waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am the co- signer on my Daugters Loans, My daughter is struggling to make regular payments, so she 's doing forebearance, But its XX/XX/XXXX, and i recieved 10 15 phones calls a day fr0m different area codes telling me I am past due this start last week her account is {$11.00} past due. Is their any way to remove me as co signer or get the phones to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Information belongs to someone else

Complaint:
I recently reach out to Equifax and XXXX Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and XXXX and Equifax has not helped me and I am suffering through XXXX due to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: EQUIFAX, 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:
I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation