BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2022-07-25
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2023-02-20
Company: EQUIFAX, INC.
State: NC
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:
This company should not be allowed to continue to conduct business. I'm guessing that the company quickly was acquired by another company is the reason for such a delayed response to my request to have the account closed and removed from my report as I did not open the account. You can barely get ahold of the team who is supposedly the one to handle fraud investigations. This is by far the worst experience received by a company that claims to assist individuals with some sort of credit building. I have 3 emails spanning over two weeks where the company has not responded and provided some sort of update. I think I am at least owed the respect of being included in any sort of updates to my case. Completely disappointed in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In early XXXX I contacted Capital One to report unauthorized transactions on my account via a XXXX XXXX account that did not belong to me. Capital One issued temporary credits on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent notice that my dispute had been unsubstantiated and closed it. I immediately called Capital One to inquire about the dispute, and they told me it had not been closed. On XX/XX/XXXX, Capital One removed the temporary credits, despite the agent telling me the dispute was not closed ( contradicting the email ). Again, I called Capital One to inquire about the dispute and request documentation via email. Capital One indicated they would further look into the dispute. On XX/XX/XXXX, Capital One sent documentation showing transactions performed on an IP Address that does not belong to me. Capital One claimed this IP address belongs to me, showing serious IT issues in their fraud review department. When I brought this to their notice and asked for contact information to their legal department, they told me the dispute was closed and that they would not respond to additional attempts at communication. Capital One has essentially broken the law that requires banks to ensure customers are not made to pay for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Portfolio Recovery Associates provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Portfolio Recovery Associates has failed to provide any original copies of verification obligating myself to this debt. Since Portfolio Recovery Associates has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi I opened accounts ( checking and saving ) with TDbank based on an online promotion of XXXX $ if I do certain deposits during a specific time window. I did all the requirements but when I asked for my promotion money they kept giving me different excuses, first they said Im not qualified for a new account promotion and I should apply for a pre-existing account promotion ( which is lower than XXXX $ new accounts promotion ) I contacted them stating that I opened my account based on the new account promotion and Im not interested in changing the offer. Then they said ok will give you the promotion money in 2-3 weeks. I waited 3 weeks but they didnt get back to me or deposit the promotion. I contacted them but this time they just said you are not qualified because you need to get the promotion by mail! Which is totally absurd first when I opened the accounts I asked if I am qualified? and they said yes, second the offer is online all the time and nothing is said about the mail, third the account was opened in XX/XX/2019 and I contacted them many times and never mentioned that. Thats not acceptable and not fair for the other banks who have other promotions and are honest about them. 
I have records of my secure messages with the bank in case you need them. 
Please let me know if you need any more information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-22
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Penfed Credit Union Credit Card 1. in XX/XX/XXXX and asked for information to resolve purchases made fraudulently and requested lengthy series of personal information for nearly XXXX minutes over the phone.. When I followed up, other personnel did not recognize or seem to know who I talked with. 

2.People who said they were not directly associated with Penfed took additional info and alerted Penfed. 
3. Penfed seemed to resolve issue after lengthy interrogation ( XXXX ) and sent a new card and updated statement.The statement did not include a previous payment of {$100.00}. Date : XXXX XXXX XXXXWhen I called about incorrect statement another lengthy series of questions were asked including SSAN ( social security # ) in order to move previous payment from old account to new account. Previous payment was verbally recognized, but not in writing. 

5. Another call received XX/XX/XXXX from Penfed ( XXXX XXXX ) alerting me of another fraudulent purchased even though newcard has not been used, XXXX insisted I needed to provide SSAN in order to resolve issue for nearly 30 minutes. When I finally gave SSAN he claimed I had been rude and hung up. Issue not resolved.

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 2023-07-29
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:
experian XXXX and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX  Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID

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 2023-04-20
Company: Experian Information Solutions Inc.
State: DE
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2019-08-24
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company Credit Acceptance ( CA ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( CA ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. CA did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now CA is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to CA to see if something could be worked out concerning this to help me improve my credit and CA refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the{$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2022-03-29
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a Nelnet student loan. I am XXXX years, in very poor health requiring XXXX of XXXX  XXXX hours a day. I am retired, but can not afford repayment. I have tried to file a XXXX discharge request. They require XXXX certification through social security, the military or XXXX XXXX . I do not qualify to file with SS or the military. My dr. and insurance company will not certify lack of ability to work ( XXXX ). Nelnet tells me this has been a problem always. 
Without being able to file in order to try to discharge my loan, I have trouble paying.. My medical bills are very high -- thousands of dollars a year. Nelnet wants to refigure the repayment based on regular expenses. I also have responsibility for some of my grandchildren 's care which they do not allow. I guess I should just let them go without books etc.. 
If I begin repayment, I will be repaying for the rest of my life. While I do not expect to live too much longer, I would love to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NV
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 accounts that aren't clearly mine. This is a second request to have them removed. Please remove them. I also included my personal documents, and I am not a credit repair nor a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  ; XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2020-06-03
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX sent a disputed medical debt of {$3300.00} to their collections agency NRS, without ever having sent me a bill. The entire amount is being disputed as it is still pending an appeal with insurance and XXXX is breaking the law by claiming and billing me as if they are an Out Of Network provider when in fact I and my insurance company have proven and informed them of their In-Network Status using an EOB dated XX/XX/20 wherein they were denied due to untimely filing. It seems XXXX is only claiming Out Of Network status to bill me for the entire amount because they failed to bill my insurance correctly and on time their and the account has become their loss. XXXX has claimed they took the disputed bill out of collections with NRS but NRS says it is still with them as of XX/XX/20. I have provided NRS with a copy of XXXX statement to the XXXX regarding this same complaint. And I have provided the EOB proof of In-Network status denied for untimely filing to both companies as well. Hopefully the evidence I have provided will convince NRS to close the account and XXXX to cease fraudulent Out Of Network billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: FL
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 been disputing with the XXXX XXXX XXXX this accounts # XXXX wich they said they never received the first payment but i never recrived such credit card and Experian is reporting such account and the other credit card # XXXX both accounts been repoted by experian in violation because now Experian is reporting as current status and at the same time they reporting such trade lines as charge off therefore this 2 accounts are misleading unverifiable and incomplete and are been repoted in violation of the law

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 2018-05-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contacting you today due to the collections from Hunter Warfield IncXXXX that is reporting to my credit report. XX/XX/XXXX, I mailed Hunter Warfield Inc. a debt validation letter to validate the alleged debt. They could not properly validate in the tine given. They sent back a signed contract that is obviously not from the company of Hunter Warfield Inc. The contract states another companies name. Therefore that contract would be cancelled. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, Hunter Warfield Inc. can not act as a substitute for the original creditor. They are a 3rd party collector claiming that I owe them a debt, and by law, that is not true. 

When trying to resolve this matter with one of the representatives of Hunter Warfield, via email. I was asked a very uncomfortable question. The representative replied " Thank you for your response. 
I have reviewed your account including the recent form letters you sent to us. In the letter dated XX/XX/XXXX, you state My attorney before we proceed I need to verify whether you have an attorney representing you in this matter. 
Thank you. '' I am uncertain and appalled as to why this is acceptable. My main purpose is to resolve this as it is weighing heavily on my future as my credit report is being misused. 
I have marked out all personal information for the privacy reasons. I have attached evidence of the debt validation, as well as the certified mail receipt that proves it was sent. I also attached the letter Hunter Warfield provided and the email stated above.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Indie Technology DBA Found
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM charged my XXXX but didn't give me any money on XX/XX/XXXX I believe. The clerk at store told me it would go back to my account in 12-24 hours and NEVER DID. filed a dispute with my bank ( Found Bank ). Took them several days to respond. They tell me the won't even acknowledge or begin an investigation until i first contact the merchant to resolve the error and then give them ( found bank ) proof I had done do. THIS IS ILLEGAL. REGULATIONS SAY THEY CAN NOT REQUIRE CUSTOMERS DO THIS. I had already done it anyway but that's irrelevant it's still illegal. The the tell my they don't give out provisional credit. But then say if the ATM operator doesn't respond after 30 days they will. AGAIN ILLEGAL. THE LAW SAYS AFTER 10 DAYS THEY MUST PROVISIONALLY CREDIT THE AMOUNT DISPUTED IF THEY STILL REQUIRE MORE TIME TO COMPLETE THEIR INVESTIGATION. 

I NEED THE MONEY BACK THAT WAS STOLEN BY THE ATM. I HAD TO TAKE MONEY FROM MY RENT TO PAY MY CAR, AND THEN INCUR LATE FEES COMING UP WITH THE {$200.00} I WAS THEN SHORT FOR RENT. 

THIS IS BS. ILLEGAL. AND I WANT THEM PUT IN THEIR PLACE. IF THEY ARENT GOING TO FOLLOW THE LAW CLOSE THEM DOWN. PUT THEM OUT OF BUSINESS. I AM SUFFERING ADDITINAL FINANCIAL HARM BECAUSE OF THEIR REFUSAL TO FOLLOW CONSUMER PROTECTION LAWS AND REGULATIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation