BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have Illinois Medicaid which paid in full.

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 2018-03-21
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:
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX   removed the fraud alert and then send a request to have a fraud alert added to Transunion & XXXX  by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX  where there admitting that they did this

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 2018-05-02
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:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-03-21
Company: Oliver Adjustment Company of Kenosha & Racine, 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: Old information reappears or never goes away

Complaint:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and transunion claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I work part time, 3-4 days a week up to 5 hours each day. When at work i can not receive personal calls and have very limited to complete the tasks at hand to maintain my job. I have messages stacking up on a daily basis from XXXX XXXX Office of Rash Curtis and Associates harassing coworkers to get me on the phone, when either I am already on the phone or with customers, and disrupting my work performance. Complaints are being made to my superiors about these calls as they are very rude and angry to the receptionist Our phone calls are recorded and monitor so there is proof of the harassment to the people at my job. Calls are even made on days or time that I am not even in the office. I have school Monday through Friday and work in between or after school for about 18-20 a week. I leave my house XXXX to XXXX most days to just to get by and I can not afford to lose my job because of complaints to my supervisors because staff members are being harassed by someone trying to reach me when I am unreachable unless by appointment at my job,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!

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 2019-11-18
Company: Windham Professionals, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have paid my student loans off when I worked for a Fortune 500 company. But received collection letters for student loans I asked for proof of loan signatures and discovered that they had included with my SS # loans for {$11000.00} and over for someone with just my same initials but clearly not my name. I sent information to the Federal Student Aid in XXXX, Georgia, but I believe that the information I sent did not reach them but was intercepted because I never received a response to my dispute of these charges. My payroll check has been garnished unfairly for someone else 's debt. I can not afford to pay for anyone else dept. I have proof that this was added put am still over a year later paying from each check over {$160.00}. Please help me to resolve this once and for all. 
I have had a lot to take care of and have let this slide because I can not deal with all of this and try to function daily. I recently lost my mom whom I was the primary caregiver. 
I have tried to deal with this when I was in a tempory position but still, this position only pays {$15.00} hours. Help me to get this garnishment stopped..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refuses to removed unathorized inquiries on my credit. I advised them that I am unable to get a letter of deletion from the creditors. Their response was that if I am unable to get the letter, it will remain on my credit for all of two years. They have no other alternative and this is simply unacceptable. This is causing me unneeded distress and frustration by pulling my score down, where I am not able to qualify for a home.

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 2023-01-10
Company: Bread Financial Holdings, Inc.
State: SC
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:
I noticed on my credit report that someone has tried to open an account in my name multiple times. 

COMENITYCAPITALXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: PNC Bank N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I disputed an unrecognized credit transaction on my personal credit card. The fund that was charged got refunded to my card. The amount was {$9.00}. But my credit score went down by XXXX points. Will you guys please open up an investigation to check why my credit score went down by XXXX points between XXXX and XXXX? I'm never late on any credit and loan payments. Is the credit dispute related to my credit drop? Please restore my credit back to what it was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Simple Cash Loans, Inc.,
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
So what Happened here I paid in full and can't get a release of my title from them they refuse to give it back it's been two months going on three. They are simple cash loans llc XXXX XXXX XXXX. They obtained loan Thur none truthfully actions now they been paid and not will to give back my title. They paid out XXXX and received back almost XXXX and won't even return my calls or email all they do is text

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SUNRISE CREDIT SERVICES Account number XXXX I received a letter stating that this account would be removed directly from SUNRISE CREDIT SERVICES they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, SUNRISE CREDIT SERVICES, or any third party law firms and collection agencies are in accordance with the OHIO LAW 1319.12 ORC. License required ; application ; fees.

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 2019-04-24
Company: Collections Acquisition Company, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly disputed a collection account appearing on my credit report. On XX/XX/2017. I wrote a check to the USPS. I wrote the check on an account that I had  closed. I just happens to have the old check book still in my car and used the wrong check book. Once I was notified by my local Post office, I immediately went back to the post office and redeemed the check with a money order. However they still gave it to a collection agency and it has been passed around for several years. I have made several trips to the post office to no avail. I have called the toll free number and gotten no results. I have called the collection agency listed and they will not remove the incorrect information. I have disputed with all three credit reporting agencies with no positive results. My credit score suffers and I am repeatedly denied credit because of this. Please assist me in resolving this matter that has persisted for several years now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I send a request to have the fraud alert removed from all 3 credit bureau but XXXX  removed the fraud alert and then send a request to have a fraud alert added to XXXX & Experian by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX where there admitting that they did this

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 2019-03-27
Company: Experian Information Solutions Inc.
State: IL
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:
CRA in violation of FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.

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 2018-05-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The offending company is Equifax. Equifax had the security breach a year or so ago. Because of that they offered me a year long security program for free. HOWEVER they have been charging me {$9.00} per month. When I first tried to deal with over the internet and I tried to cancel my account their computer says " you have a free account '' then it says " goodbye '' and hangs up! I tried calling customer svc and have waited on the phone for more than an hour - twice w/o an answer. When I did a chat I got someone right away however they gave a link which would not or could not get me an answer - meanwhile they are still collecting my money ( because you had to give a credit card to start the free svc ). My suspicion is that they are doing this to others as well to recoup some of the money they lost over the security breach. It seems my only recourse is to cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I originally borrowed {$250.00} I paid back the total amount due on my next payday. I had sent an email previously and asked to extend the loan due to lack of funds. I received a phone call in reply to my email and I was offered a {$500.00} loan in exchange I had to pay off the current loan for {$250.00}. I agreed to do this. She asked me to go online following the payment date and request the new loan. When I was in the process of signing the e-documents, it was confusing and somehow I was redirected to another page during the signing process that apparently set up an extension on the first payment due. Which came with a price tag for refinancing the loan. As I stated, this was confusing and I thought it was referring back to my previous loan and now refinancing my new loan. It was not asking that, instead it was having me re-finance a loan payment that I hadn't even received the funds for yet. When the time came to have the money withdrawn via ACH. it took out more money than I allocated in my budget, which left me severely short to pay my other bills due. I called and spoke w a representative. We argued and she would not offer a solution, was extremely arrogant and I told her that if she would not compromise and replace the additional funds for the " refinancing of the loan '' that I was unaware that I even signed for, that I wanted to remove authorization immediately from Cash Central having access to withdraw monies from my account. She said they would continue to attempt withdrawals until they are paid in full. I then called my bank XXXX, and told them the situation and they suggested closing the account, so I did just that. Now, 4 weeks has went by and over a 2-day period XXXX XXXX used my debit card to withdrawal one {$600.00} in 3 separate transactions. I never gave permission for Cash Central to use my debit card, in fact, when I paid online and was asked if it was a one time payment or did I want to store the card for future transactions, I said no. They used my card from a one-time payment and had to have stored the card and used it without permission. Now I am having to wait on a fraud investigation by my bank XXXX before they return the funds and I have a car payment scheduled to debit account. This company is shady and I hope that my complaint will keep others from going through what I have had to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The card me and my fiance stimulus went on was missing when all our stimulus payments went on and I had the card replaced but the stimulus payments were not. I'm just asking for our missing stimulus payments replaced that's it. Because we didn't get our stimulus payments due to the card being stolen or missing. I have given the new card number on this page at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear CFPB, My name is XXXX XXXX with last SS # XXXX lives at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XX/XX/XXXX. I have found the information from my TransUnion credit report is incorrect that shows collection of {$260.00} from XXXX XXXX. 

The fact is, on XX/XX/XXXX I was scheduled to see my primary doctor at XXXX XXXX XXXX in XXXX, XXXX XXXX for sick visit. And later I received bill shows {$200.00} my responsible for it and my mother helped me contacted them to find out why I got bill for because I know it was covered under my health insurance. And I was told that charge for out patient fee. And I made this clear to register office that bill is not correct for charge because I was scheduled to visit the doctor. 
This is not fair to me. I hope CFPB may help to solve this matter. 
I look forward to hearing your resolve. 

Thank you. 

XXXX XXXX. 
my contact information : 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