BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX/XXXX card With an existing Balance of {$4100.00} used out of XXXX that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX. ADDRESS XXXX XXXX XXXX  XXXX OH, XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX   UNVERIFIED ACCOUNT XXXX  UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX UNVERIFIED ACCOUNT These are the accounts here stated are the accounts that continue to reflect on my report but are not accurate. I would like to request all accounts off of my report that I have stated here and after the process of deletion. 

My Identity has obviously been compromised by another party and will be reported as theft and a security breach concern. I would like to ask all that is verifiable in correspondence to these accounts be disclosed as evidence of the genitive case. If These here derogatory marks aren't responded by XX/XX/2019 With verifiable proof disclosed then I would like all unverified matters to be removed from 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 2020-08-28
Company: Capital Accounts, LLC
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:
On XXXX XXXX Capital Accounts LLC add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Capital Accounts LLC did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Capital Accounts LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: HYUNDAI CAPITAL AMERICA
State: WA
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 paid my car payment on line and they said they received the car payment but 30 days later i received notice the the website never recorded my payment and that i had a 30 day late pay on my report to no fault of our own. I have tried to resolve the issue with the company but haven't had success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Cardinal Financial Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX claims that : we, XXXX and XXXX XXXX attempted to obtain a loan from them on XX/XX/XXXX XXXX. We have never heard of this company and we own our property outright - so why would we ask for a loan?? They say that that they issued a loan : XXXX but then denied it for various reasons. I think they are phishing and trying to get us to give them missing information on the supposed application. We are targets because we are XXXX years old. Hopefully, they have not tried to get our credit scores from XXXX, XXXX  and XXXX, as they claim. They list a silly figure for each of those agencies, namely XXXX. This is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I tried to dispute several items and mailed in the letters but got no response. I have the following items wrong with my report : I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me. 
Also a chapter XXXX bankruptcy that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Erin Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying for weeks to contact Erin Capital Management LLC, to try to resolve the issues of an alleged debt that I have never incurred, I have never XXXX credit cards in this country, I do not even have credit, I have never applied for anything that has to do with credit and this company sent me a document that I have an alleged debt of which I asked them if at least they had a signature and they have nothing, they did a procedure that I never knew had happened, I found out all this because I said Debt collector contacted my employer and started me taking {$60.00} a week out of my check for an alleged debt that I never had. I don't even have credit. I need this company to stop charging me, and pay me all the money they have taken from my checks. 

DOCKET NUMBER : XXXX Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-14
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My daughter was attending college up until XXXX, I had moved from XXXX XXXX to XXXX in XXXX. In early XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told Nelnet that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. Nelnet did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XXXX of XXXX, yet the threating phone calls kept coming in from Nelnet all hours of the day and night. The reports that Nelnet have made and continue to make to the credit buearas are false, when I explain to them it was an oversight and try to correct it, Nelnet again starts swearing and telling me that they are there to ruin my credit score across the 3 bureaus and make sure I do not obtain a job. In fact when I have tried to work with Nelnet to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I " apply at XXXX that they are always hiring. '' This only scratches the surface of the horrors and harassment that Nelnet does and I am prepared to show you evidence of their repeated phone calls after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Alliance Group & Associates LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Received a call from Alliance Group Associates regarding a loan from XX/XX/XXXXfrom XXXX XXXX  stating loan was not paid. I have written notice from XX/XX/XXXX from XXXX XXXX XXXX  who purchased this debt from XXXX XXXX stating loan was paid in full. When speaking with supervisor at Alliance Group Associates, she stated I had an additional loan which was not fact as I verified with originator of the loan. I have requested my personal data and any information they had regarding a loan or personal data about me and have been refused such information stating they are sending back to originator to verify. They have requested this letter be emailed to them and I do not feel comfortable sending them any information that they can not provide verification to. I believe this company is a false company contacting any information they can find to try and collect additional monies in resulting in harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, About two weeks ago, I saw in my credit report a record like this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$260.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I realized " XXXX XXXX XXXX  '' was the apartment I moved out half year ago. But I never receive any notification about this payment. Not in the form or mail or phone call or email. I contact " XXXX XXXX XXXX '' immediately for this, it was a move-out fee. It was a reasonable charging and I emailed the check for payment immediately. But I do dispute the collection shouldn't be on my credit report for two reasons 1 ) " XXXX XXXX XXXX  '' didn't notify me properly. And I didn't receive my acknowledgement for this payment. And they turn it to " XXXX XXXX XXXX XXXX '' without my knowledge. 
2 ) " XXXX XXXX XXXX XXXX '' didn't notify me properly either. And I didn't receive any email or phone call. And when I try to dispute with them for this. They said it past the deadline I can dispute, since the account is opened on XX/XX/XXXX and this is XX/XX/XXXX. But how can I dispute a debt I didn't even know? 

To summarize, " XXXX XXXX XXXX XXXX '' didn't notify me properly on this, and they never got my acknowledgement until around XX/XX/XXXX. From that time, I tried to dispute with them, but they said it can not be disputed since it passed the deadline. So my right of being notified of the existence of the debt and my right of dispute is not being respected.

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 2020-01-21
Company: DISCOVER BANK
State: MD
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:
Hello, Ordered glasses from XXXX Order # XXXX. They were not packaged properly and arrived broken. Photo attached. Filed a chargeback with Discover and won. 2 months later, Discover charges me again for the order saying the merchant challenged the chargeback. Discover wanted a tracking number for the return. During the complaint process, neither the merchant nor Discover mentioned returning the broken glasses, since theyre broken. The merchant never even sent a return label for them. So after I won the chargeback, I threw them away. Why would I keep around broken glasses? Where is proof of the merchant asking for the broken glasses back before I won the dispute? 

In a XXXX XXXX XXXX complaint against the merchant, the merchant said they approved the chargeback. I asked for a refund via check from the merchant since Discover isnt refunding me, and they said they could only refund via the method I paid which is with Discover. Both the merchant and Discover are giving me 2 different stories. The merchant says they approved the chargeback whereas Discover is saying they challenged it. 

Attached the XXXX XXXX XXXX complaint. The order number is there, and I have also attached the merchant receipt which also includes the order number. 
Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. 
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. 
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I purchased the vehicle XX/XX/XXXX financed with XXXX XXXX XXXX. The loan was reflected on my credit report for approx 2 months. After being denied an new auto loan due to lack of Auto loan credit history I investigated. XXXX XXXX XXXX was not reporting my auto loan. They post on their company website they do and each customer service rep I spoke with stated they do. XX/XX/XXXX I called several times to their customer service, wrote to their credit dispute department several  times without any response. XX/XX/XXXX I wrote to their Corp office, which I revived a letter stating they made an error. XX/XX/XXXX and XX/XX/XXXX the loan was reflected on my report. XX/XX/XXXX I was notified my score dropped major points. After researching and reviewing the loan fell off all 3 major credit reporting agencies. I called XXXX 3 times without any resolution. I have had the auto loan since XX/XX/XXXX and as of today my fico score has dropped 15-20 points, I have been denied Credit, Autos loans, Job offers and rental homes due to their inaccuracy to report as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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:
I have contacted Experian via Phone and in writing in regards to the 5 accounts below were not mine. I have contact the company directly and asked for a copy of the credit card application or anything showing I had a credit card with them and they said they have nothing on file That they are a catalog company and anyone can call and set up the accounts. I advised them that this account dont below to me which is the same thing that was send to Experian. then Experian claim to have investigated and just updated my credit report stating it was completed. And the companies then added new Failure pay on my credit report for XX/XX/XXXX. This is fraud and illegal. I need to file a formal complaint against all ( 5 ) of these accounts and Experian and have them removed from my credit report and my credit report updated to reflect no negative accounts with this company all. 


You have 5 Negative Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX   XXXX {$540.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$330.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX {$280.00} - - Installment Negative 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 explanation
Consumer complaint received 2018-03-26
Company: Equity Auto Finance, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX, I surrendered my vehicle to Equity Auto and I still have not heard or received anything in the mail from. In XX/XX/XXXX i reached out via email and was told that they still have not sold the car and that when they do, i should receive something in the mail. As of now I still have nothing in writing or email to say what is going on with my account. My account rep. XXXX was the person who I first emailed about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was making a purchase at XXXX XXXX  XXXX when they asked me if I would like to apply for a credit card when making my purchase to receive a 20 % discount on my purchase of some XXXX dollars. I agree. Then they billed me on the credit card I just bought. I took home my item that I would later find defective. It took me a few months to return the item because the store is some ways away from home. In the mean time I got the statement which I did not pay because I had intended to return the item sooner but I had other matters in life. If I paid the first credit crd statement and I returned the item. I would be issued a credit instead of cash. Or at least I though. So I notified the credit card comp [ any of my situation. They agreed to wave the late fee. Then I returned the item and the XXXX dollars was issued back to my account. I received a few more statements over the months and simple threw them away, seeing as I had not purchased anything with the card. I was sent another one last week and opened it to see why they kept sending me statements. I saw they were saying I owed them XXXX dollars. I called them to ask why. They said because I was being charged a late fee on interesest charged off a cancelled late fee. Doesn't make any sense to me. So I am here to complain. The bank that XXXX XXXX XXXX uses is XXXX XXXX. I see many other people are complaining about them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I attempted to withdrawal {$800.00} from the ATM at my regular bank, XXXX, located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM disbursed {$780.00} leaving {$20.00} unaccounted for. The receipt shows a total withdrawal ( including fees ) of {$800.00}. The record number at the ATM is : XXXX. I was not aware that the maximum withdrawal is suggested at {$400.00} until after this transaction. I believe the additional {$20.00} may have gotten stuck inside as the door closed before I could make sure all of the cash was out.

Company response to consumer: Closed with explanation