BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX  without my consent and knowledge.

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My Name is XXXX XXXX XXXX XXXX is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I  Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days

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 2023-01-23
Company: The CBE Group, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received today letter from CBE Group claiming that I owe a debt from XX/XX/21 to XXXX ( not XXXX XXXX XXXX or any other legal entity ) in the amount of {$110.00} with an attempt to collect this amount. 

I have not at any time owed funds to XXXX. 

Research in XXXX forums reveals this is a common scam for people to receive when no such debt exists, as in my case. Many posts about this particular fishing scam are in the XXXX forums. 

It would seem that this letter is sent to entice recipients to just pay whatever debt they list in the letter to fraudulently collect on a fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: Colony Brands, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Account # XXXX I ordered a set of cookware. Received in good condition and made a payment of XXXX. Keep getting calls of non-payment. I sent them proof of receipt of payment through them and transaction ID. I even sent them a screen shot of my account on XXXX XXXX web site. They still continue to say they did not receive a payment. They want me to send a bank statement which I will do but need at least a month which they will not give me. I use a XXXX XXXX debit card issued through social security. XXXX XXXX showed the payment. I will not send my social security debit information due to security concerns. I told them to close my account after I pay the balance of what is owed according to me and proof of payment which I sent them! 

Thank You For Your Payment Print or save this page for future reference Transaction Number : XXXX Payment Amount : {$72.00} Today 's Payment Date : XX/XX/2020 XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/2020 Available Limit {$0.00} Balance {$0.00} Credit Limit {$0.00} Did you know? 
You can earn credit limit increases with timely payments! 
Terms and Conditions Many others have reported similar issues with this company resulting in false credit reporting of the customer. I am in the process of trying to repair my credit and this would be very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: CA
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 XXXX.XXXX.2018 XXXX the security company did a hard credit check on my credit worthiness regardles of the fact that I did not reques an XXXX  installation for myself and I gave my conyact information just to facilitate the scheduling for an estimate for one of my clients. I gave the client name, address and phone number to the XXXX rep and I only gave my name and phone number just so I can be present and open the house for the XXXX technician that came for the estimate. I was not asked or advised by XXXX about this credit check. 
I called today XXXX and told them about this mistake. They appologized and refered me to their Escalation Department to help fix this mistake and remove the inquiry from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have had a loan with Hyundai Motor Finance for several years. It is a fixed rate closed end fully amortized loan without prepayment penalty, On XX/XX/XXXX I was involved in an accident. Today my insurance company declared the car a total loss, so I will need to pay off my loan balance. I spoke with several supervisors at Hyundai who all insist that my payoff is {$7200.00}. The problem is, if I keep my loan through the 17 months remaining I will have paid out {$7200.00} ( XXXX monthly ), including principal and interest at 9 %. Clearly their payoff calculation can not be correct as it is even higher than total payments! 
They are unwilling to adjust the figure to my principal balance remaining,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AMERICAN HONDA FINANCE CORP
State: LA
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:
I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019 I found out that I was a victim of identity theft and that someone had been going to school in my name, for years, resulting in several student loans being placed on my credit report. Close to  {$30000.00} in benefits were taken but none of the loans were paid off which has led to them continuing to accrue interest. 

For the past 8 months, I have tried disputing with the creditor, and credit bureaus, to no avail. I have requested that each provide me with the original contract bearing my signature to validate that the debt is mine but they have continually disregarded my request. Month after month they continue to " validate '' that the debt is mine without providing any physical proof. 

I have also sent information stating that I am a victim of identity theft, along with an FTC affidavit, an IRS affidavit, a notification from a credit monitoring service showing that my information had been sold on the dark web, as well as a police report and they have refused to block the information without any explanation of why they chose to do so.

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 2021-04-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have made purchases from XXXX XXXX before using synchrony bank card under promotion which states that you will pay equal payment without interest when you set up autopay. but the last purchase I did resulted in the system only charging a low portion of the amount owed which didn't cover the whole amount by the due date and resulted in a very high interest rate of {$320.00} when the full current balance amount was only {$960.00}. 
I believe Synchrony bank engages in manipulation of the auto pay feature which causes accounts to default on purpose and against what they promised. I paid the account in full but I refuse paying the exaugurated interest.

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 monetary relief
Consumer complaint received 2021-09-02
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have reported this law office 2 times already. I have called them twice and told them I am not the person they are looking for. This person was married to my brother almost 30 years ago. She has NEVER lived with me or been at this phone number. I have told them this. I have not seen or heard from this women in 30 years. They stopped calling for a while after I filed the last complaint but today they started again. XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am from XXXX county Indiana of XXXX XXXX Hospital of XXXX XXXX Indiana of XX/XX/1972 Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX XXXX of XXXX county Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and semi truck business permits Schools and school products and services and building permits business and advertising

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 2018-02-07
Company: Solidus Group LLC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me at XXXX PM CST for someone's debt told me they had legal papers, for a person not me. I asked them to stop calling me as I am not the person. I then hung up, they called back and left voice mail at XXXX, then at XXXX PM they called me back again I ask for a legal address so I could in writing ask them to stop and they would not give it to me, Hung up on me 3 times then blocked my number.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # 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 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Dear Consumer finance staff, I, XXXX XXXX XXXX, from XXXX New York, received an offer from XXXX XXXX to help me settle my credit card debt. On XX/XX/XXXX I received an offer from agent, XXXX XXXX from XXXX XX/XX/XXXX, to settle my debt with three Credit Card companies, a total of {$20000.00} to be reduced to {$10000.00} to be paid at 36 months installment of {$280.00} per month. I already paid to this agency {$280.00} on XX/XX/XXXX, and {$280.00} on XX/XX/XXXX. I was advised by, XXXX XXXX XXXX to stop paying my credit card bills that they will take care of the debt settlement. He also mentioned that the credit card companies will just void my debts due to me not having any properties or assets to back up the debts Ive incurred with the credit card companies. He also sent me some brochures and asked me to send him a copy of my drivers license, which I emailed to him at XXXX He also asked me to send him a copy of my Social Security Card, which I did not send to him. I became suspicious and proceeded to stop this withdrawals given that the agent mentioned above never responded to my emails, once the withdrawals from my checking account were taken. I have been also getting emails regarding educations on how to maintain a heathy financial activity. And received a call or two regarding such education and to confirm that I had received their brochures and forms. The agent, XXXX XXXX, told me that his agency will settle my debt, and given that I have no properties or assets, their agency could settle my debts with the credit cards, and they will just settle with them and consider the reminder of it a loss on the part of the credit card companies. They had me look in the internet for their credentials, and I found no negative consumers report on this agency or company. Their website is XXXX when I search for consumers report I only find their official website, as such, XXXX XXXX XXXX The debt settlement, as they called it, was with the following credit card companies, Capital One, XXXX XXXX , and XXXX XXXX  XXXX I must say that XXXX XXXX , put me under pressure to sign all documents as fast as possible, without giving me the chance to think about it and get back to him at a later time. I would appreciate if I can get any help you could provide to me for the situation I am in right now. I look forward to your response to my complaint. I can provide you with the document they had me sign on line by forwarding their emails at your convenience. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: EQUIFAX, INC.
State: NV
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:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
as previously notified, I am a victim of identity theft

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 2018-02-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX  XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. 

You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.

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 2018-02-06
Company: Student Connections, LLC
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Student Connections robocalls me every day trying to collect on a student loan. I do not have a student loan now, or have ever had or applied for one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been waiting on a card to be issued since XX/XX/2020 and I still as of today XX/XX/2020 have not received a card. I would like this money to be transferred to my checking account since no card as been sent to me or issued. I have called on the phone and it keeps hanging up for 2 weeks now. I have sent emails to the ga. dol. Gov and still no one has replied nor called me back.i have tried calling this company because you are the ones issuing the card. It's this company that I have the promise with. Where is my card with my money on it?? I no I'm not the only person there are thousands of people that need help. But since no card has been sent out to me I want my money sent to my checking because I have been waiting for forever. Please respond. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation