BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This Creditor is contacting my job numerous times when I have told them to contact the number on my account for payment information.

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 2017-07-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
under the FCRA Experian must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Secti on 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT

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 2019-08-08
Company: Experian Information Solutions Inc.
State: MO
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 used to own three XXXX XXXX XXXX. At some point one of my ex  managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.

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 2017-07-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal identification have been stolen. Drivers license, Social security card. All of the names of my former employers have been changed with Equifax.. All of my former addresses have been changed. My first name is spelled XXXX with vital records in Tennessee. I 've spelled it as XXXX, because of the way it 's pronounced. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.. I changed my name to my maiden name in Probate court when I learned I was a victim of identity theft in late XXXX-XXXX. XXXX XXXX XXXX XXXX is my former employer. In XXXX the company amended & restated my tax return and sold my first mortgage. The company is a S-corporation, they used {$53000.00} of my retirement money to make this transaction through IRS to get The Golden Parachute Tax Break. My mortgage was sold to XXXX XXXX in XXXX XXXX. My mortgage was current when sold. While at work XXXX XXXX, XXXX XXXX & many others had access to my information. It was on file, I was in a group. The company filed all of my medical claims with XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
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: Account information incorrect

Complaint:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars fro m five y ears ago. I am Inquiring as to why that is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem.
Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

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 2021-06-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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 fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX in response to the XXXX hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today ( XXXX XXXX, XXXX ) to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.

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 2017-07-04
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX-2017 i called COMENITY CAPITAL BANK to find out about my account because of a late fee they had put on the account she proceeded to tell me the reason they applied the late fee is because the payment had arrived late I told her how can the payment arrived late when it was sent to you electronically. Then I asked her or you going to remove that late fee because at the time the balance of the account was only {$2.00} that was due and they had posted a late fee of {$35.00} when she said that they were not going to remove the late fee I said okay well then cancel the account then she asked me to whole on for a little while and she went and talked to someone and then came back and told me if I did not close the account they will remove the late fee so I agreed with that and she told me that the account would have a XXXX balance at that time so I agreed to keep the account open providing that they remove the late fee and put the account at a XXXX balance. But then I checked the account again and find out that they were still adding late fees to the account I cancelled the account. and at the time of canceling the balance was {$56.00}. I closed the account because they did not live up to the agreement in which they stated on the XXXX month XXXX 2017. <P/>Account # XXXX -- -- ( CREDIT CARD ( XXXX ) Also I want the negative items that was placed on my credit report removed immediately if not done so I intend on filing a lawsuit to obtain damages. <P/>Also I want them to stop calling my telephone 5 to 4 times a day here 's the proof that they did so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address  used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. 

I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent debt validation letter and haven't received what was asked only received a bill. sent this letter a few times I hope I can get some help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
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: Account information incorrect

Complaint:
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?

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 2021-06-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a Synchrony XXXX credit card to purchase furniture and was approved for XXXX. After using the card I have made all my payments on time for the past year, even paying a little more than the minimum due to payoff before the promo ended. Right before the promo was expected to end the company decreased my available amount from XXXX to XXXX ( which is an old number ). So now I missed the promo date and all the interest was added to the account. Every month now the card is overdrawn due to interest. I even tried making a triple payment but that did not help. I am pretty sure now all of this negative activity is affecting my credit. Not sure why my available amount was decreased.

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 2022-10-03
Company: Elevate Recoveries, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has called me a few times. In an attempt to verify identity, they volunteer full name, birthdate, address and even the last XXXX digits of a social security number without me ever confirming that I am the person they are looking for. I can't believe that this isn't illegal and that they can continue to do business in this manner... 
Today, I spoke with the XXXX, XXXX. She did not have a single care about my concerns for someone's identity privacy. With their harassing tactics, I don't feel comfortable with this company 's possession of anyone 's personal information. 
When confronted about this issue, they simply hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
I believe my personally identifiable information was used to engage in " dark pattern '' practices. I believe myself to be a victim of these unethical, immoral, and illegal practices.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that Experian and XXXX are reporting that my mortgage with XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that Experian is reporting that negative information. I am not and have not been late on my mortgage and no one from Experian or XXXX is trying to assist me.

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 2022-04-29
Company: EQUIFAX, INC.
State: VA
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 Reporting act XXXX  Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX XXXX  XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Reporting act XXXX Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX CO XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # 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 2020-04-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from having a check issued from my over {$1100.00} balance. Paypals claim is that I need to provide them with my bank account number or verify my credit card. I have verified it with their customer support instructions but they claim it is still unverified. My account is the same for the last 10 years, same credit card, same email, same home address. I have even had 2 checks issued to me for {$2000.00} in the past 2 months. Now all of a sudden they claim I am not verified and they want more bank and credit card information from me to be at risk on their site. 
On XX/XX/2009  my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
They picked this time of national crisis to hold customer funds XXXX when it is needed most! 
I want access to my paypal funds with my credit card on file, without putting more banking and personal info at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to open an account with XXXX XXXX XXXX XXXX.I filed a police report on the matter. XXXX XXXX XXXX is now reporting the account on my Equifax Credit Report under account XXXX for {$410.00}.

Company response to consumer: Closed with explanation