BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 I.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-25
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I registered in the XXXX store for a credit card to make a purchase. I just moved and told the sales rep my drivers license had the old address. I had mail to prove my new address and told them to setup the account to the new address. The store rep still setup the account to the old address. As a result my statement came late. I called to resolve the problem. Corrected the address on file, paid the purchase amount in full, and asked to have the late fees and interest refunded. The services rep did all that, yet the next month i still had a balance due to late fees and interest. called again to have it refunded, the rep agreed to process refund on late fees and interest. Next month, more late fees and interest. This continued XXXX, XXXX, and XXXX billing cycles. I'm am told now that the remaining late fee can only be refunded by Collections. I called the number provided by the rep ( XXXX ) XXXX. This is answered by an automated message that tries to sell you XXXX XXXX XXXX system, then hangs up on you. two separate agents gave the same number. I eventually talked to collections 2 time by being transferred. Each time i was disconnected after going throught supervisor escalations. I finally got the Customer agent to refund last late fee, but i paid {$4.00} in interest. Just gave up working with Comenity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Sally Mae, now Navient on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Pendleton Capital Management
State: MS
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:
XXXX XXXX left a voicemail with information on my phone at work. I returned his phone call & told him I was not allowed to receive personal calls at work. He assured me that my work # was erased from the system. The following week he called my work again after telling me he would no longer contact me at work. 


He initially told me that the settlement about was {$320.00} & then {$290.00} and when I asked for some kind of documentation he would not mail it to my physical address but would only send it to my email. When I received the email it didnt have the new amount on it. 

I will lose my job if I continue to receive calls at work & id really appreciate it if that would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 are not my 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
Consumer complaint received 2019-01-06
Company: EQUIFAX, INC.
State: FL
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:
On Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a veteran and XXXX XXXX XXXX and so is my husband. I have had a Capital One credit card for several years and have successfully paid it off and have excellent credit. On XX/XX/2022 my husband used my Capital One credit card to make a {$4400.00} purchase XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 Capital One reported my balance to XXXX even though my due date for paying it off is XX/XX/XXXX. This resulted in a XXXX point drop of my credit score. I called the company and asked if they changed their policy of reporting to the credit bureaus and the representative said it has always been reported that way. If that is the case, the reporting must have had an insignificant effect on my credit so as not to be noticable in the past ; however, this significant drop is detrimental to us as small business owners. My husband was getting ready to ask his banker for a XXXX XXXX loan for new vehicles. No other credit card company that I have used does this. What's the point of using a credit card if everytime you use it your credit score is derogatorily affected? I thought the point of paying off your credit cards on time each month was to help build your credit scores, not destroy them. Ironically, my hygienist told me she can't stand Capital One because they charged her a late fee on the due date because she paid it after XXXX XXXX online. I will wait to see if Capital One does the right thing by its members and changes this policy ; if they do not, I will be closing my account and I will be making sure that my friends, family, coworkers, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) will know that Capital One has implemented such a policy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Alpine Credit, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alpine credit agency falsely linked another persons debt to my ssn. I called the credit agency in XXXX and they would not help me because they said they verified it was me. I obtained the medical centers information where the bill was done in Colorado and spoke to the billing office. They confirmed they did not have an ssn on file for the person XXXX XXXX and it wouldnt be identity theft because my social wasnt given either. Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XX/XX/XXXX date of service for XXXX XXXX per XXXX? financial XXXX at phone number XXXX m-f XXXX. I have never lived in or visited Colorado, my name is not XXXX XXXX. I did send my id with my address and name and a letter to XXXX and they intitally removed it but recently readded as they said the credit agency verified it was me. This is harming my credit and I am in the middle of trying to get a loan and this is extremely detrimental and frustrating as the collection agency has been so rude and wont take accountability for making a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-15
Company: Experian Information Solutions Inc.
State: MD
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-24
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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2018 i received a call from carousel checks asking if i had order checks for my business. no was my answer. but they had already bill it for XXXX on XX/XX/2018 i received a collection notice for XXXX plus a returned check fee for XXXX.what is fraud since i never gave them a check. i contacted carousel checks and they would do what they to get this stop. in addition carousel checks send me 2 emails letting me know that they tried to contact TRS recovery service, inc., but where unable to speech to anyone.i called TRS recovery service, inc.all they is to get paid, don't care if it is fraud or not just want to get paid. on XX/XX/2018 i received my second notice. i have faxed all info to them now 2 times once on XX/XX/2018 and again on XX/XX/2018.this is fraud and they are holding my credit score in balance.this is one of those company that need to be stop or fined?

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX and XXXX & they told me I've never missed a payment, yet TransUnion refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do TransUnions job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$620000.00} and XXXX XXXX Date Open : XX/XX/XXXX Balance : {$250000.00}.

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 non-monetary relief
Consumer complaint received 2019-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n Friday, XX/XX/2018, my husband and I visited the XXXX XXXX XXXX  store in XXXX, FL. Upon our arrival, we were greeted by a salesman by the name of XXXX. We explained to XXXX that we were interested in viewing their XXXX home but was NOT looking to purchase until XX/XX/2018 because we were working on paying down our credit card balances. After viewing the home, XXXX was adamant that we should allow him to do a soft internal pull of our credit score so that he could show us the accounts that we should focus on paying down. We agreed under the conditions that it was a soft, internal pull that would NOT affect our credit. To our surprise, it not only resulted in a hard pull but our information was also sent to XXXX XXXX XXXX  without our consent. As illustrated by the email communications, I was unsuccessfully in resolving this issue as well as explaining my concerns to the Owner of XXXX XXXX XXXX, XXXX XXXX. I was trying to get him to see that the information that XXXX communicated to us was clearly misleading and dishonest because otherwise, I wouldnt be upset if I came there with the intentions to buy. However, I was only looking and obtaining information to better prepare for my home-buying experience in the months to come. Please note that I never contacted XXXX XXXX to obtain any information regarding the status of the loan application-that information remains unknown.

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 2018-10-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-01-30
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Extremely rude and calling constantly asking me 30 times my name and trying to get info from 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 2018-10-17
Company: Credit Plus Inc
State: TX
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:
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 # XXXX ( CHILD SUPPORT ENFORCEM ), 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 an account without my written permissions and 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 explanation
Consumer complaint received 2018-04-26
Company: CITIBANK, N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle in XX/XX/2009 and I'm now finding out that company never released the lien on the title. The company is now out of business. Please help, any assistance will be greatly appreciated. Thank you.

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