BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2015-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has reinserted negative unverifiable information and has damage my credibility with loan officers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
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:
My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: OPTUM BANK, INC.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Optum Bank is the custodian of my HSA. I can not access online as required-the account remains locked after several days of active effort by phone. Five years ago also, but I gave up, not needing the funds. 

{$1800.00} is available but not the {$150000.00} in " investments ''. 

I am XXXX yrs old possibly in cognitive decline. I've not learned to use computer well. All I need is reasonable accommodation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Repeatedly called after I asked to only be contacted by mail or email. Threatened to show up to my job and also harassed family member and friends on numerous occasions after being told to only contact by email or mail. Threatened to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fraudulent accounts 1. XXXX XXXX/XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/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 2020-01-12
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on my credit report. BUT, one account XXXX thru XXXX XXXX XXXX, CEO, SOLD my account to LVNV, LLC. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My XXXX balance was reported to the Management of XXXX, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But XXXX did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with LVNV my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX XXXX. It was thru XXXX XXXX. XXXX may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru XXXX XXXX. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
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 noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX  ... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
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 noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up with XXXX XXXX XXXX in Arizona and learned that the Headquarters were in California. I started out paying {$200.00} a month, then increasing to {$400.00} a month, until I had no more communication with this company. Instead of them contacting me about my credit card debt, they reported all of them CHARGE OFFS on  my credit report. BUT, one account BELK thru Synchrony Bank-XXXX XXXX, CEO,  SOLD my account to XXXX, XXXX. in XXXX XXXX XXXX XXXX. An attorney informed me that these two companies have not gone by the law. My BELK balance was reported to the Management of BELK, due to an employee pushing Makeup and calling customers trying to get them to buy more and more cosmetics. But BELK did nothing to help! At that time, the balance was around {$1000.00}. TODAY, with XXXX my balance is over {$3000.00}. I disputed it to the Credit Bureaus. But, I am between a ROCK and HARD place, due to XXXX XXXX XXXX not contacting me about my account and CHARGING OFF all my CREDIT CARDS. 
PS This account was not thru XXXX XXXX Bank. It was thru Synchrony Bank. Belk may have changed to XXXX XXXX XXXX. At the time this account was going on, it went thru Synchrony Bank. 
XXXX XXXX XXXX charged off many of my accounts, which shows on my credit report, without contacting me about them or allowing me to pay toward them each month. 
Thank YOU, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At the request in writing from the XXXX XXXX XXXX, Legal Unit, XXXX, I wired {$30000.00} to a XXXX  XXXX  XXXX  account at Capital One bank on XX/XX/XXXX. The XXXX XXXX XXXX discoverer on XX/XX/XXXX 4 days later, that the account they gave me at Capital One bank was the wrong account, and requested I recall the funds back to my bank, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from the person ( XXXX ) who received the wired {$30000.00} that the funds were received in her account and she did not know the sender and she will request Capital One to send the funds back to my bank,. On XX/XX/XXXX I contacted my attorney XXXX XXXX who sent a Letter to Capital One Bank and their customer XXXX  and again on XX/XX/XXXX my attorney sent a second demand letter to Capital One bank demanding a response and as of today XXXX, Capital One bank has not responded to either of our legal letters, nor have I received my {$30000.00}, XXXX back. The XXXX XXXX XXXX has contacted the FBI regarding the {$30000.00} issue and I would like Capital One Bank to respond to my attorney demand letters regarding what happened to the {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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: Account status incorrect

Complaint:
After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.

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 2020-01-12
Company: Optima Recovery Services LLC.
State: TN
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:
XX/XX/2020 XXXX Optima recovery services llc I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of Optima recovery services LLC first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called XXXX XXXX XXXX to settle my debt and they said they'd get back to me and they never did. I will not be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection company showing up on my credit file that I have never done business with nor owe anything. I requested validation via the mail 45 days ago after seeing the remark on my credit file and nothing has been received. Please help it is shown as Online Info XXXX {$61.00} Online Info XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: VA
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   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help

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 2020-01-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company name is Wakefield and Associates. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, XXXX and Equifax. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX XXXX XXXX, CareCredit, Walmart, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.

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 2016-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Usaa bank is in my mind committing the biggest act of consumer XXXX I have ever seen.You should be ashamed of yourselves. I got a letter from XXXX that investigated part of the issues and this is the second time they investigated and USAA has lied to them, And sadly, I have proof. I have two phone calls from one of your CEO telling me that USAA OWES ME NOTHING AT ALL, dated XXXX XXXX and XXXX XXXX. In letter to XXXX you stated in XXXX XXXX and XXXX XXXX that you were waiting for receipt of my medical bills for car accident. Which is untrue. You point blank told me in XXXX XXXX when I sent a 15 day demand letter over issues with BANKING, CREDIT CARD, AUTO and RENTERS INSURANCE, you told me you were gon na look into these matter, as of XXXX XXXX, nothing, not one issue was resolved or even addressed properly. You use your stall tactics well. I have phone records, faxes emails and the like to show all I have on my end to prove my issues are valid. But USAA Does not care if a customer complains cause you laugh it off. You have no state of grace. I never seen a company who operates under such false pretenses and I have heard my share of other USAA complaints form other former members and the fact that the issues are so similar scare me. Whenever there is an issue whether it be banking or insurance, USAA immediate response is to yell at the customer and make them feel bad. Usaa loves to use stall tactics and drag its feet so that it can use time to make the issue disappear without having to be responsible. Usaa uses standard policies to under mind its customers and pull rug out from underneath them. USAA does not return calls or letters or responses on time or ever in most cases, when it comes to handling a claim or having to respond or react to something and actually take care of policy or regulation issues. Usaa would rather spend money on keeping up false front then handling the banking and insurance issues they are suppose to. After all the issues we went through, with over XXXX policy issues not taken care of. And USAA closing bank accounts down and holding our money for months right after we were identity theft and that is just a few of the issues USAA has done. But after all that, after USAA refused to help get us a car when they were suppose to costing us over XXXX more money then needed. And after the XX/XX/XXXX car accident USAA had nerve to send letters begging we keep auto insurance policy active even though we did not have a car, so you could get your {$150.00} a month for NOTHING. You are quite simply worst of the worst. These issues will not go away until resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts are fraudulent accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX scorerewards {$0.00} XXXX XXXX XXXX   {$110.00}

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