BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: RIA FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I wanted to transfer money to XXXX to help my sister who's business is severely impacted by COVID shutdown. I used XXXX ( Continental Exchange Solutions , Inc. dba Xe USA ) to initiate the transfer. They asked me to wire the funds to them on XX/XX/XXXX of {$27000.00} with promise to transfer in 2 days to recipient. I have receipt confirming the details of this transaction ( attached XXXX ). I promptly wired on XXXX. I have proof from my bank that money was transferred ( attached XXXX  ). XXXX  acknowledged that they received as well ( over phone on XXXX ). on XXXX when I called to confirm they said transfer is not possible for account types I have chosen and money will be refunded in 2 days. They created another receipt showing the same ( attached XXXX ). Since then I call every day and have a long email threads ( attached, it even says they saying sent back on XXXX, but nothing has come to my account ) with them for over 15 days now and they are not refunding my money. Every day they say it will happen in a day or two but nothing comes through. On email they are saying that their back office is investigating but no information, No confirmation of transferring back, no receipt ids or anything that my bank can use to look up for incoming wires/transfers. 

Company details : ======================================== Continental Exchange Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXX XXXX I am at loss of XXXX  and paying interest in my margin account on this : ( , If they can't transfer why hold my money : (. Please help. Attached statement from my bank showing transfer, attached receipts from XXXX showing my wire and their receipt to transfer money back to me ( which never happened ), Also attached email thread. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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/XXXX I received a credit alert stating that Transunion reported a new address update Address : XXXX XXXX XXXX XXXX XXXX XXXX, Oregon - XXXX Im very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.

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 2021-12-15
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is hindering my credit score by posting a fraudulent collections account on my credit profile. From a company I've never did business with. I've never lived at that address. I don't have any identification from that address. The address for that account isn't even on my credit file. I've asked them several times to remove the fraudulent account to no avail. They posted the same account multiple times drastically decreasing my score. They can't verify this account because it is fraudulent. They are in direct violation of the Fair Credit Reporting Act. They must remove inaccurate and unverified information from my credit file within 30 days. If you look at their XXXX reviews you will see this company Sequium Asset Solutions have a 1.6 rating out of 5 with over 380 reviews. Majority of the reviews are on their fraudulent and illegal practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been a customer with  XXXX   XXXX   XXXX  for 4 years now. I have always had internet service with them. Last year in  XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service.  XXXX   XXXX   XXXX  shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up  XXXX  accounts simultaneously for the same address. I managed to get them to close  XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current  XXXX   XXXX   XXXX  internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have  XXXX  accounts,   XXXX   opened without my knowledge, and  XXXX  now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with  XXXX   XXXX   XXXX  at my address that I am paying on time each month.  XXXX  have gone to collections. My  credit score  was  XXXX  and is now  XXXX . I am currently disputing   XXXX    delinquent accounts but not getting anywhere.

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 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!

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 2021-12-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AZ
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.

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 2021-12-15
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 Discover bank cashed a fraudulent check in the amount of {$42.00} without even reviewing it first. Subsequently, I was forced to jump thru all of their hoops including having NO access to my funds or account monitoring. I submitted the required affidavit for the fraudulent check and the bank issued a new account number. Since this is clearly rhe bank 's error I requested the funds be returned to my account and that request has been repeatedly denied! 
This error was not my fault but the bank 's yet they are attempting to force me to clean up this mess. Discover bank has destroyed all previous banking history for my previous account. 
I WANT MY FUNDS RETURNED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CORELOGIC 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 status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Exeter Finance Corp.
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Account Recovery Specialists, Inc.
State: KS
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 reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Yesterday I received in the  U.S. mai l a copy of my " Experian '' credit report. On " Page  XXXX  of  XXXX  '' under the " Record of Requests For Your Credit History '' is incorrectly states that "  XXXX   XXXX  '' had unlawfully requested my credit history on "  XXXX   XXXX .   XXXX  . '' I have NOT applied for " credit '' of any kind in over  36 co nsecutive months. I am the Victim of Identity Theft.

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 2017-04-19
Company: Kross, Lieberman & Stone, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
As this department is fully aware I am a victim of identity theft. Several debt  collectors  have ceased their reporting of these fraudulent accounts.  Kross, Lieberman and Stone is  a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft.  XXXX   XXXX  is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions.   The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal 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 2017-04-20
Company: Collection Bureau of America Ltd.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from  Collections Bureau Of America  #  XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15  U.S.C.1692g, I  dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide  verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, 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:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
Equifax continues not reporting my XXXX XXXX Account after removing it from my Equifax Credit Profile on or about XX/XX/2021. This despite XXXX XXXX  XXXX continually reports the XXXX account as an active current account that belongs to me. Equifax removed my XXXX XXXX  XXXX account on or about XX/XX/2021 and never provided a reason and refuses to investigate why the XXXX XXXX XXXX XXXX isn't reporting despite XXXX XXXX  XXXX reporting to XXXX and XXXX every month having recently updated on XX/XX/2021. At one time a representative told me she would " manually '' put my XXXX XXXX account back on my Equifax Profile and assured me it would start reporting by the end of XX/XX/2021. That never occurred and the account STILL isn't reporting on my Equifax Credit Profile. I personally think I'll just go away if they continue lying to me in hopes I'll just get tired of fighting them and their incompetence. I'm NOT going away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This loan was paid off on XX/XX/XXXX and was posted as a withdrawal on my account on XX/XX/XXXX. I called the lender, Santander Consumer, on Wednesday, XX/XX/XXXX to find out when I would receive the title to my vehicle. They told me it would be sent out via USPS the next day on Thursday, XX/XX/XXXX from Texas. I had purchased another vehicle from a dealer who gave me a reasonable offer to purchase the vehicle I just paid off. I explained that the offer from the dealer was only good until XX/XX/XXXX and I needed the title to sell my vehicle. The person at Santander explained it would be mailed XX/XX/XXXX and would be here by XX/XX/XXXX. 

I have not received my title as of today, XX/XX/XXXX and my offer has expired and I will most likely lose out on money. What can I do you get my title for my vehicle? The representative at Santander obviously gave me false information, because if they indeed sent it out XX/XX/XXXX, I should have received it by now.

Company response to consumer: Closed with explanation