BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I received phone calls from XXXXXXXX XXXX ( XXXX ) XXXX on my tel # 's ( XXXX ) XXXX, ( XXXX ) XXXX as well as them calling my sister. They left messages on all three numbers and went into detail when they contacted my sister which is not a number that I ever provided to anyone for establishing credit. I do not owe a balance and feel that this is a scam. This company use tactics clearly in violation of the fair credit act. I have advised them to cease & desist from calling any number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Before i called the us bank, i called XXXX, XXXX  XXXX, XXXX and XXXX XXXX  and they were more than happy tto defer payment up to 3 months .I have two U.S. Bank Skypass visa credit cards. On XX/XX/20, XXXX XXXX PST, I called to request for defer a payment due to coronavirus hardship. 
i talked to a CS rep lady and she was very sympathetic but couldn't help me much so i asked to speak to a supervisor. 
A guy name XXXX ( he did not give me any employee # when i asked ) answered. 

I can tell right away by his tone of voice he was annoyed to talk to me. I asked him for defer payment. He flat out said no. I asked why. He said its because its handle by skypass visa, not U.S. Bank. I said but I always pay to U.S. Bank. 
I asked him to push out the minimum payment amount to 1 or 2 months but he said no. It will keep accrued if you don't make a payment. 
Meaning if i don't pay {$100.00}, it will go up to {$20.00} and so on. 
I said but that's not how other banks offered. 
He kept saying about the skypass visa so I need to pay no matter what. 
i said i did not agree anything like that in terms and condition when i first got the cards. 
It was like talking to a brick. No matter what i said he didn't want to hear me and work with me. Either he wins collecting the money or he loose. 
I was never late or delinquent for 7 years until coronavirus pandamic. 
Why is he being such a jerk in this crazy pandamic time? 
Funny thing is one of my cards got deferred automatically. But not the other one. 
So its not actually up to skypass visa but its up to u.s. bank. 
And please show me the terms and conditions that i agreed on accrued defer payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Per the FCRA, furnishers are supposed to report/provide the date of delinquency for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account does not list a date of delinquency. It says that " this account is scheduled to continue on record until XX/XX/2022. '' This alleged account, is still showing on my consumer report. The date is XX/XX/2022. Delete this immediately. Experian is in violation of my rights as a federally protected consumer.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a number of inquiries on my credit report that were not authorized by me.

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 2020-08-19
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit score dropped significantly and when I asked, they said there was a debt collection agency that reported I did not pay my debt. I did not know about this bill for {$28.00}, and NEVER received any mail, email, and/or phone call from Suburban Credit Corporation. When I called them, they said they are not sure why it was not sent. I immediately paid the bill, and they promised to send me the receipt. I did not receive the receipt for 9 days. When I called, they said their systems are not working and receipts are not usually sent these days. I did not receive any receipt for my payment as well. So overall, I was never notified about the debt, their systems are not working and my credit is massively impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-01-15
Company: EQUIFAX, INC.
State: NM
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:
XXXX and Equifax are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

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 2022-08-11
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX 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 2021-09-14
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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 I sent out a letter to Transunion asking them to remove items from my report according to the law O.C.G.A. 15 USC 1681 a ( d ) ( 2 ) ( B ). I did not receive a response from Transunion. On XXXX XXXX XXXX, I wrote an affidavit of truth and sent that to them along with the original letter and still I have not received a response. I do know according to law that after 30 days the items must be removed.

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 2018-09-09
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I contacted 2 lender solve problems and they didnt work out they just keep telling me will contact me back but never I dispute with credit report is same problem and they told that I need contact company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without notice saying the " terms '' have changed. 

I was not notified or contacted.

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 2017-11-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was hit by a collection agency without any written notification of what it was in reference to. The Collection Bureau Hudson Valley is not a good corporate citizen and is trying to shake down Americans who owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
TransUnion is reporting lates on XXXX XXXX that should no longer be there, these lates have been removed off of other bureaus and I have a deletion letter from XXXX. I have disputed this multiple times and sent proof that I was not late 3 times now. They have responded claiming the lates are valid again and again and they are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Information is missing that should be on the report

Complaint:
TransUnion has removed an account from my credit file. they said that they had removed it due to fraud documents. 
after long phone conversations and correspondence with XXXX XXXX i was referred to TransUnion again, to request them to remove the block from this account. But TransUnion refused to do so. they stated because they have received an FTC report, so they unable to put back that account in my credit file any more. while this matter was an error and I DO HAVE THE RIGHT TO HAVE 100 % ACCURATE INFORMATION IN MY CREDIT FILE. SO i'm requesting them to allow XXXX to report that again. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a capital one card, I never missed a payment, never had late payments and never carried a balance. They placed a 26 day hold on my payments even though they confirmed on the phone with XXXX XXXX XXXX XXXX and trust that they received the funds, the kept randomly adjusting my available credit and it didnt reflect my my actual available amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Consumer Portfolio Services, Inc.
State: OH
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 have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Consumer Portfolio Services - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Williams & Fudge, 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:
Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the XXXX XXXX to XXXX. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX of Va XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans XXXX in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX v. XXXX case XXXX

Company response to consumer: Closed with explanation