BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called the XXXX  number on the letter I received about a new account that I did not open. 

I was sent to about five different people who were supposed to be fraud account employees. They were asking for personal information to best address the issue. After a while it began to seem suspicious to me but only after I gave some personal info. 

They may have been legitimate but it all seemed weird after I hung up. 

The claim they have put a freeze on the account and that they would send a confirming email. Almost a day has gone by and I have not received a confirming email.

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 2022-04-21
Company: EQUIFAX, INC.
State: OH
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 Report Act : Account Name XXXX XXXX XXXX Account Number XXXX Has violated my rights. 

15 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Report Act : Account Name XXXX XXXX XXXX  Account Number XXXX Has violated my rights. 

15 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 a 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 2015-06-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
trying to obtain credit reports from XXXX and Equifax someone else had to set up a account now I ca n't even dispute on because they state 's I do n't know my grandmother 's name, come on now a few bank are mad and I need them to correct payment histories an balances I have a wrongful foreclosure on my credit report and I can provide supporting document but I need where I guess no one can access accounts online seeing how this is not the XXXX time this has occurred when my email address has n't changed in over 7 years but my grandmother 's name have?? come on now this not fair also that there 's numerous inaccurate information being reported and I 'm just trying to correct it and move on in the financial world but this is holding up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from The Receivable Management Services Corporation ( " RMS '' ) for {$25.00} owed to XXXX XXXX XXXX ( my guess is for an electric bill ). However, all my utility bills are paid in full and I do not owe any balances. My electric bill has never been for only {$25.00}, so I doubt this is a legitimate bill. The letter is very vague and does not give any information about this " alleged bill. ''

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 2016-09-06
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This complaint is against the XXXX. I directed that the referenced complaint in the original dispute be made public. After bringing it to XXXX XXXX XXXX 's attention in a phone call with " XXXX XXXX, '' a XXXX supervisor, that it was NOT made public, it still was not subsequently changed to allow the public 's viewing. This is particularly disturbing because this complaint is a hacking of my Equifax account that XXXX XXXX XXXX XXXX is hiding. Additionally, " XXXX XXXX '' was supposed to call me back and never did. THIS COMPLAINT SHOULD BE MADE PUBLIC AS THERE IS NOTHING IN THIS COMPLAINT THAT INCLUDES SENSITIVE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went delinquent on a loan with lending club. I negotiated to pay the debt. Before I paid the debt : a representative from lending club told me that once I paid that debt, it would be considered paid in full and removed completely from all  credit report one p ayment was processed on their end. I have completed the payment, yet it is still report on my credit report as of yesterday [  XXXX / XXXX / XXXX  ] I request all trade lines be removed all credit reporting agencies Lending Club Loan # -  XXXX  Date of Birth -  XXXX / XXXX / XXXX  Social Security Number -  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 i noticed an unauthorized payment on my account with my card and i filed a claim. ( XXXX ) On XX/XX/2017 i received an email from PayPal in which there was written that they completed the investigation and that i would be completely refunded. The refund would be sent in XXXX step : 1 adding the funds to my balance XXXX moving them to my credit card Today on XX/XX/2017 that money are still on my balance, PayPal forgot to move them to my credit card. 
PayPal User Agreement tell that every refund must be accredited to the same payment method of the original transaction. 
After 1 month i still have n't the money on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have no idea why and I 'm tired of equifax doing this because none of the other credit reporting companies are doing this to me. I checked my credit and it said I had I had THREE alerts. 
1 " File blocked for promotional purposes ". I have no idea what that even is! 
2 " Credit report lock in place ''. I did n't lock my credit! 
3 " Extended fraud alert ''. I never wanted ANY alert So I would like to purchase a vehicle but with equifax I ca n't because they have my credit blocked!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have, continuously, tried to dispute XXXX items on my Equifax credit file that they refuse to remove or properly update. The situation started when I financed a car through XXXX XXXX XXXX ( XXXX they also go by a variety of names such as XXXX ). I was in an automobile accident. This car was paid off between the insurance of the at-fault party and the gap insurance provided by XXXX. However, there was a catch with the gap, the gap would pay off the balance of the other car, only if I financed another one with them. I agreed and was forced to buy their gap and extended warranty. The car has significant trouble with the transmission and engine. They offered a replacement. This was not supposed to be new loan, just a replacement. This new car left me stranded XXXX miles from work and XXXX miles from home. I made numerous calls concerning this automobile. I called numerous times about the stranded automobile. After a couple of months, they finally got me a loaner car, which I had for only a couple of weeks. I continued my payments. I did not know that they placed XXXX collections and XXXX account as " pays as agrees '' and none being paid off on my credit file, until recently. The charge off dates could not be accurate as I paid my payments in accordance to the agreement that was started XX/XX/XXXX. These were not supposed to be separate accounts ( XX/XX/XXXX and XX/XX/XXXX ). I am currently researching my past bank accounts where payments were made ; however, I am attaching a XXXX XXXX receipt from a payment made after they claim there was a charge off. This payment was made on XX/XX/XXXX, which is after the charge off date reported as of XX/XX/XXXX. The accounts also seem to overlap, looking as though I had the XXXX accounts open at the same time, when XXXX car was supposed to just replace the other. The creditor sometimes appears as XXXX XXXX or XXXX XXXX XXXX. I think the multiple names are an intent commit fraud or something. Please help. I want these charge offs off my credit. Actually, they should be marked as paid. The first account needs to be marked paid as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/XXXX I received my XXXX bureaus credit report from XXXX and the federal tax lien had been deleted from equifax ( the other bureaus had previously deleted the federal tax lien showing on my credit report in response to my dispute. Equifax had deemed the account as verified and refused to remove it so I responded with another letter disputing the validity of the tax lien, stating that I am requesting proof that the XXXX validated this tax lien because I have in a letter from the court that they do not report to any credit reporting agency. ). The lien was removed from my equifax credit report on XXXX/XXXX/XXXX and reinserted on XXXX/XXXX/XXXX. I never received notification of the reinsertion. This is in direct violation of the FCRA Section 611 Part A ( 5 ) ( B ) ( ii ). Equifax never notified me of the reinsertion and furthermore this lien does not belong to me and I have spoken with the XXXX and they do not report to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sell things on Ebay on consignment. The only payment method available is Paypal. I have a new account, and Paypal holds my ebay funds per their policy. On XXXX at XXXX XXXX I noticed that the withheld funds on the transaction page was significantly short of the actual hold amount displayed on the home page. I counted XXXX that was different from what they said was on hold on a per-item basis. They have over XXXX on hold from Ebay, and my money is not being released per their own policy. I have called and tried to get this corrected, but after a 45 minute call, I got hung-up on. They are collecting interest on money that was supposed to be released to me. I need that money to pay my consignment customers. After a long phone call, followed by another, I believe their system is messed up, and is causing me problems with my business. There is a whole bunch of money that I ca n't get access to. I have downloaded a report of all the transactions to date for the entire time this account has been active for Ebay. I think they have made a mistake with my money and now I am the one who is loosing money and customers for their mistake. I ca n't get them to help since after they figure out this is their fault, they hang up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Bureaus that took place on my credit record. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask that the Credit Bureaus to provide me documentation regarding the precision of the items in question. I need the Credit Bureuas to please conduct another investigation into the accounts below. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Reporting Agencies will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.

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 2016-03-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. 

I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. 
When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. 

I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. 

I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. 

On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. 

I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.

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