BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TRANSUNION DISPUTE. THE FOLLOWING INQUIRIES ARE NOT MADE BY ME AND I WOULD LIKE THEM TAKEN OFF MY CREDIT REPORT.  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 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 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 non-monetary relief
Consumer complaint received 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint to inform you of a recent resolution with my financial institution, Capital One, regarding an error in the reporting of my account information. After a thorough review, it has been determined that certain late payment markings on my Capital One account ( Account Number : XXXX ) were inaccurately reported due to an internal error by the bank. I kindly request your assistance in reflecting these corrections on my credit report. The removal of the late payment markings and the update to the status will ensure the accuracy of my credit information. I appreciate your prompt attention to this matter and look forward to an updated credit report reflecting these positive changes. CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

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 non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: SC
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:
This is my XXXX endeavor to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : 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 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the one going through it, unfortunately I was robbed at XXXX  while picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-08-29
Company: CCS Financial Services, Inc.
State: KY
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:
XXXX Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

XXXX lists a collection in the amount of {$100.00} from CCS Collections from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does XXXX allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from CCS COLLECTIONS or XXXX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately. 

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I made a full student loan payment to Edfinancial for {$16000.00}. This initial payment was never debited out of my bank, yet Edfinancial 's portal showed that this payment was received. My bank confirmed that this payment never went through, and that I should try to initiate the payment again. The issue is that I was not able to re-initiate these payments because my portal did not update in a timely manner.

I checked my portal a week later, and I saw a payment reversal of {$9800.00} show up for XX/XX/XXXX. 

I called Edfinancial and they could not tell me why my payment was reversed, but they could see that my remaining {$7000.00} was received. This was not the case, as later, I would see a payment reversal for XX/XX/XXXX for {$7000.00}. 

The main issue I experienced was inconsistencies with when the payment balances were being updated. If my payment reversal was shown immediately, I could have actioned payment sooner. Entries of XX/XX/XXXX payment reversals were not shown on XX/XX/XXXX. These entries came up almost a week later, therefore making it impossible to pay off these balances in a timely manner.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I provided a police report and identity theft report with supporting documents to remove a fraudulent account off my credit report and for XXXX XXXX to close this account due to it being fraudulent identity theft account. 
Instead of closing the account XXXXXXXX XXXX used my supporting documents information to up date their information on a fraudulent account and listed the fraudulent identity theft account with My information that I provided them as a prove of identify for the dispute of the identity theft account. 
They have used the documentation that provided to them through CFPB website for the sole purpose of disputing the identity theft fraudulent account by fraudulently updating such account with my actual information and my correct address instead of the address that was used to commit identity theft fraudulent accounts that they reported to my Credit report. 
By doing such action they have violated and breached a dozen of federal regulations for consumer credit protection and consumer rights.

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 2021-08-29
Company: Experian Information Solutions 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:
Fraud inquiries on Experian report : XXXX XXXX  XXXX XXXX on XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX/XXXX  on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX/XXXX XXXX on XX/XX/2021

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 2023-12-18
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It's a medical debt that I don't owe I have XXXX and XXXX insurance with no copay. Don't even know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
in XXXX to XXXX i was in bankruptcy in XXXX i was suppose to pay my second mortgage payment at that time XXXX  did not resume billing. after calling XXXX  they said loan was sold to XXXX XXXX, XXXX XXXX is my first mortgage and said they did not have it. after exhausting all my resources my lawyer said it will show up on my credit report and never did. in XXXX i started my search again with no luck. no company could find this loan. in XX/XX/XXXX Planet home lending started to send statements at first i thought it was junk mail. there was no notice that this was sold acquired by planet home lending. so i reached out to the phone number to try to figure out if this is the loan or fraud with no results, there phone system can only help with payment hard to talk to someone about my situation. I have sent 8 letters trying to resolve this. its been 7 years since this loan could be found. and they are accelerating loan and i can pay the amount owed at the time i was out of bankruptcy i can not pay the amount owed now. its 3 times the amount. and says last payment due XX/XX/XXXX. this loan was paid XX/XX/XXXX by trustee. Holding the loan for 7 years and not being able to find loan nothing on my credit report is very deceptive if not fraud. planet home lending not talking to me is very unprofessional business practice there statement is not accurate fees exceed what is allowed. this would have been taken care of in XX/XX/XXXX if it could be found XXXX dollars not XXXX and i am still willing to pay XXXX that i owed. if forced back to bankruptcy this will not happen. that's where its going with planet home lending poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards. 

For the months of XXXX and XXXX no purchases were made from said card. 

On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX. 

A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX. 

On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error. 

On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance. 

On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month. 

On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus. 

On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account. 

After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX. 

On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints. 

Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus. 

This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.

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 2021-08-29
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Opened XX/XX/2021 ( {$2200.00} ) I reached out to both the credit bureau 's and the actual debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had studen loan from ed financial. When XXXX announced that he will forgive student loan. I contact to my borrower and then I asked the refund so I did got my refund but after that I was accuring the interest which is {$140.00} $ on top on myloan amount. And when my loan was on grace period or inwas in school i was paying my loan on time just to avoid accuring interest. after that I contacted them I told them why I am accruing interest when my loan was on pause and they were told me that this is the interest on my loan. After than I paid my full amount like the all loan I paid .and then after that, I asked them like I feel like there was a mistake from your side and then the interest which I paid which is around {$140.00}. I want my money back and then after like month or two months I receive an email that my amount which is {$140.00} is refunded. I am checking my emails every day. I am checking my bank account every day I have not received any refund on the amount of one {$140.00} and now I am so stressed out.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-10
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: Account status incorrect

Complaint:
I had 2 secured cards with XXXXXXXX XXXX XXXX. One was a platinum card and the other was a primor card. The cards where paid off when I call to close the accounts. You have to forgive me my date of calling I dont remember since I suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im back on my feet now and trying to clear up all loss ends and working on paying down debt. When I called customer service for both calls I was told the balance in the security deposit would be applied to the card balance and would be closed. You could never exceed the limit on the cards like if you went to a gas station. You could never pay at the pump you always had to go inside and tell them how much you wanted and they would charge you to the card they would not just automatically approve it either pump for any amount. 

Since the payoff green dot bank is showing both cards charged off with a balance. This is a violation of the FCRA and demanding that both accounts be removed from all credit bureaus. 

No balance should be due as the security deposit was taken out and applied to close the account theyre reporting the account as a charge off with a balance due and also late payments after I called.

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 2021-08-29
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.

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 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against XXXX, XXXX, and TransUnion. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in TransUnion is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.

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