BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-04-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted validation letters to Equifax about accounts listed on my credit report that are not mines, and that I have no knowledge of. Equifax submitted letter back stating " verified, '' and I submitted letters requesting that Equifax provide me with proof that the account is mines and they have yet to provide me with proof. 

Account : XXXX XXXX XXXX & : Account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: American Student Assistance
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for XXXX discharge as well as borrower defense with dept of Education. On my credit report they have my student loan derogatory for {$11000.00} {$6800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: FREEDOM FINANCIAL NETWORK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They collected a monthly amount very large auto pull out of my bank and never sent me any documentation on where the funds were going or how much I paid in full for almost two years. Then come to find out they said things they didnt hold up to and my debt ended up only going down XXXX $ and then all the money I paid went who knows where. In the end they sent me a letter saying I owed {$19000.00} to another company I never ever talked to and they transferred my balance with them which should of been returned to me not the loan company I never approved to have my money. The amount transferred was {$2200.00} on XX/XX/XXXX. Never returned to me to this day. Now they are on my credit report and I never even knew who they were and why I had a note on my mortgage from a company another company paid to service their loans. Please make this company remove the negative fraud information in all three credit reports oh actually they only reported to one I believe. Again at my weakest time in my life I was scammed by lies and theifs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/XXXX. Called Seterus Inc again to obtain status of the modification request submitted on XXXX. Still no resolution on this. I keep getting the " follow back with us next week '' The representative today " XXXX XXXX '' stated that they are still working on find a solution for me. They will be contacting me if a subordination can be offered or not. She told me if I did not get approved for a subordination they would move forward with the foreclosure of my home. She told me someone worked on my file on XXXX/XXXX/XXXX but could not tell me what was done. She said documents were ordered. When I asked what documents she told to go to their website to read how the process of a subordination works. Basically she could not tell me anything. I have been calling Seterus Inc every week since XXXX/XXXX/XXXX. I have spoken to several representatives. They all give me different information. The representative from last week told me she was submitting an excallation review since they made a mistake in regards to my modification I completed on XXXX of XXXX. They never recorded the modification for the payment of {$1400.00}. Never notified me that the modification was not denied, after the fact that they sent me the Modification document to be signed and notarized. They Denied my modification after they approved me without notifying me. Instead they were sending letters to my ex husband 's attorney. I was completely blind sided on this and now they are playing games and not getting this problem resolved. I am under the impression they are going to deny my modification request and offer me no other option and I will loose my home. It is going to be almost 1yrs that I have been trying to resolve this problem and nothing is getting done. I can not afford to hire an attorney to resolve this issue. But I 'm afraid that will be the only way for me to keep my house. I have filed a few complaints and the answers you get are the same I am getting. " They are working on a resolution for the problem, someone will contact you soon '' No one from Seterus has ever called me. I 've been getting letters daily in the mail that my account is behind and that I need to pay over {$9000.00} to bring the account current and prevent foreclosure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a XXXX charge in the amount of {$410.00} reported by Southwest Credit system ( number is XXXX ) on XX/XX/XXXX for an account that is dated back in XXXX " allegedly '' but nor XXXX or Southwest can get me a copy of the bill that they claim is past due balance and I gave been a XXXX  customer since back in XXXX and still a current company. I have a home in NJ here they say it is from and I live in GA now. I had a manager at XXXX on the phone from collection department and they could proof it was mine, a copy of the bill ... I called southwest with the XXXX XXXX mgr. on the phone and southwest would not talk to us and transferred my to a VM. I told them both is they could provide a bill I'd pay but either will/can do it. I tried with there XXXX fraud team as well and got now where. They only have a email and phone that they issued to me so I'm told and don't nor ever had access to nor knew existed. Yes, I pay them {$300.00} per month is GA with my same SS #, phone #, XXXX. Yet, they claim I owe them {$410.00} from 5 years ago. I have called both companies several time and I get now where. I'm buying another house and can I please get this removed or discarded off my credit report, it's impacted my score by 40 point for {$410.00} from 5 years ago, yet, I pay $ XXXX  monthly to XXXX ... please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was XXXX in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

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 2015-11-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/15 : UPDATE i HAVE SUBMITTED A REVISED POLICE REPORT AND YET STILL THE ITEMS REMAINS. And just recently Equifax has added back old addresses in which I have disputed months ago to be removed. 
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least three occasions. Three times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from one of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased this card and I kept on having issues using the card. Turns out that someone used my funds and registered the card under their own name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: Central States Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 3 collections that I paid off in order to close on my house. I have contacted the collection companies and was told they would be taken off after proof has been shown. I have also contacted XXXX XXXX, and XXXX and given the payment reference numbers to all 3 accounts and the collections are still being reported on my credit. I want these off please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am having continued issues with my credit file and equifax. I can not gain access to my report through my monitoring service that I have paid for quite some time. In my monitoring service I have the option to lock my credit report and I tried to unlock my report and have been unsucessful in getting this done. I have tried to contact equifax and it seems to go no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pressler & Pressler sent letters to demand payment for debt that was well past the statute of limitations for the State of NJ. When I asked for verification of the debt they told they stated they have a judgement. I was not served a judgement. I asked for details of the judgement and they retused to provide the details. They also failed to provide information on the original debt. They threaten me to pay or they will pursue legal action. They ended up garnishing my wages. I am a single father and they illegally placed a garnishment on my wages to pay approx. {$8000.00} that Pressler and Pressler could not provide verification of. I would like this company investigated and would appreciate if my money could ne returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been using binance. XXXX after being told that us customers needed to make accounts on the US version of binance. A few months ago after trading crypto on binanceXXXX it all of sudden said my account is pending verification. I submitted a ticket and have also send in my documents for verification but it has been 2 months since XXXX and am unable to use my account to trade crypto. My money is stuck in the account and I am unable to withdraw to my bank as well. IThis is outrageous please help with this issue. I have thousands of dollars unable to use and withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I need to talk with a HUMAN at Equifax. 
I have a freeze on my credit report with Equifax, which I am very grateful for. But, I am trying to get pre-approval for a home loan. I just need a temporary release of the information for the company to check it. I can not access the Equifax system because I do not have my pin number ( papers lost in a home fire ). The phone numbers I find on-line take me back to automated system with no option to get the pin nor to talk to a representative. The numbers I obtained from on-line, and CFPB either were no longer in service or were also automated. My complaint is Equifax is not user friendly. I need to talk to a human at Equifax to get help in reestablishing my pin so I can get the freeze temporarily lifted. There is NO problem with the other XXXX Credit Reporting systems. The necessary information was retrieved from them and I could have gotten the pre-approval in a timely manner except for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has placed a limit on my account. I've sent documents, fro ID, Account Statements and Bank Statements,. to resolve all their issues, and they told me I was no longer able to do business with them. 
I was questioned because a scam was trying to raid my account and I reported it, and this was the result. 
This was done on E-mail XXXX. I tired to go around it with a new E-mail address of XXXXXXXX XXXX XXXX and that was blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am filing a complaint against Equifax and the creditor Voluntune for defamation of my credit. 
on XXXX/XXXX/2015, I discovered the creditor XXXX has been reinserted into my credit profile. 
The credit bearu is required to notify me within five ( 5 ) days of reinserting a prieviously deleted item. I did not recieve any such notification. 
I have requested Equifax to delete this item Immediately from my credit profile. 

I am ready to file a lawsuit against the creditor for reinserting the preivously deleted item under the fair reporting credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have not used my paypal.com account and unable to close my account. It still has my personal and financial information saved on their servers and I am unable to also remove the credit card information and other personal information on their file. 

Called customer support and they were very clear that I will be unable to close the account. 

A company can not hold my information XXXX and should allow to me deactivate/close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Started receiving mail from BB & T? Saying I might have money in accounts I live never had? Dont know who BB & T is, never heard of them? Ive gotten 4 letters so far, first saying I might have money in accounts then letters saying Im going to be charged money for them? It looks like they are checking and money market accounts?

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