BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Account says charge off and that is not correct please investigate or delete file XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
I opened a capital one card used it once to get a motel room. When I called because I hadnt received a bill I was told no balance was due at this time. I thought weird but possible. I unfortunately forgot about it I was moving and going through a divorce. I recently checked my credit score and saw it was now in collections for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had paid off this acount and close it back in 2015 with XXXX balance. But on my credit report, they have reported that Im owning them {$600.00}. I have requested all the transactions to the last transaction before I closed my account, they never provided it to me instead they have sold the debt to a third party and refused to talk to 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 2018-01-13
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. 

I requested the following : Date the debt was transferred from original creditor to the 3rd party. 
*The current balance they bought the contract for. 
*Copy of the contact I signed with the 3rd party not the creditor. 
*Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting an account that is over ( 7 ) years old on my credit report. XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act ( F.C.R.A. ).

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 2022-08-11
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. 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. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Action Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Action Professionals at XXXX XXXX XXXX in XXXX XXXX, CA XXXX ( XXXX ) XXXX has fraudulently placed a medical collections onto my credit report for a deceased man they know I was not legally married too because he was still legally married to another woman at the time of his death. I did speak to the collection handler and he refused to correct and remove the collections from my credit report even knowing it was not mine nor my legal obligation. The collection is for {$3100.00} and was placed onto my credit file XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  XXXX  Account Number XXXX TransUnion is  reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX is reporting an opened date of XX/XX/XXXX with no balance, and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with no balance, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and XXXX are not XXXX this account, XXXX/XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, Experian and XXXX  are reporting an XXXX date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, CHAPTER XXXX BANKRUPTCY Reference Number : XXXX TransUnion and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2018-01-11
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had multiple medical issues/visits that were immediate emergency situations, each resulting in high bills. I was told that the bills were under my fathers name and account and that they were going to him. However, they appeared on my credit report with 7 open accounts in collections, all of which I was never notified about or received written notice for. I took the initiative and set up an automatic monthly payment plan to pay it off each month until fully paid off, which has been in process now for the past 6 months. Although I was never notified and was given the wrong information, I wanted to make sure that it is being taken care of and paid off. I have attached screenshots of the open accounts in collections. I have 100 % payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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 2021-09-10
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a mortgage of {$540000.00} with third federal savings and loan located in plantation, fl. We were denied a loan they said due to lack of income and a short sale on my wifes record from 2010. 
XXXX. Our combined income is {$160000.00}. Our liquid assets which include bank accounts, retirement accounts, and stocks total around {$150000.00}. 
XXXX. Prior to our marriage, my wife had a short sale that closed in 2010, and that is currently not on any of her credit reports. We asked the underwriter where they got the information from, and they didnt respond. 
We believe that we were discriminated against by third federal, because we have more than enough income, our debt to income ratio is great, and the short sale was over 11 years ago. 
Please investigate, and fix this situation.

Company response to consumer: Closed with explanation
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. 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. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 non-monetary relief
Consumer complaint received 2021-04-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Personal information incorrect

Complaint:
My wife and I entered a lease agreement on XXXX XXXX, 2021. We leased the vehicle at XXXX XXXX XXXX in XXXX XXXX XXXX Florida. We were told at the time of the lease that XXXX XXXX XXXX  ( XXXX  ) would be handling the lease process. XXXX  is named as the Lessor on the agreement we signed. We later learned that the incorrect address was entered on the lease agreement. We learned this when we received our plate and registration. We called to dealer and the State of Florida to update in XX/XX/2021. 

We tried calling XXXX  and they told us they had no record of the lease and said it may take time for the lease to be entered in their system. So we waited. The dealer told us they fixed the address on their side. 

Since the address was incorrect and the Lessor name where both incorrect on the lease agreement we did not receive any correspondence from the Lessor. It was not until a late payment notice went out to XXXX  that we learned another company may have our lease. We contacted the dealer to find that XXXX  was not the Lessor, but XXXX XXXX XXXX. 

We called and explained the issue to Mazda saying : 1. The address was incorrect on the lease. 
2. The Lessor info was incorrect on the Lease Agreement. 
3. Mazda  maintains they called but where unable to leave a message. This can not be true since the number they have on file is a work number. This VM is monitored regularly. 

We corrected the issues as soon as we knew the parties. We asked that Mazda  remove the late payment submission to XXXX. They said we would need to file a complaint. 

We are only asking that Mazda remove the negative information from our bureau reports. This reduced our credit score by 89 points and ruins a blemish free 7 or 8 year track record. 

Does Mazda not conduct even basic due diligence on their new consumers prior to entering a relationship? I understand this due diligence is an industry best practice. A simple look up of our information on any public records database would have revealed that the address was incorrect. In fact a typo had been entered from XXXX  ( correct address ) to XXXX  ( incorrect address ). Would they not have done any due diligence when the first payment was late? 

The incorrect address is an address that does not exist. This means that USPS would have returned the mail as undeliverable. Again a simple look up of our information would have revealed the incorrect information had been entered. Would they have not called the numbers listed on the agreement? Or made attempts to contact me? 

Since the Lessor info was incorrect we had no avenue to get this info updated. 

Please feel free to contact me directly at XXXX or XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: MO
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:
filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance to the Fair Credit Reporting XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states that a consumer reporting agency can not furnish an account without written instruction

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 2019-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Continental Finance Company, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/2018 claiming that he was with XXXX, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not XXXX ( where XXXX was calling from ). I tried to  contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from XXXX played that my call was not able to be connected. I XXXX XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( XXXX ) in the past and now they are threatening garnishing my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19 opened a MoneyLion Checking Account as they had a " Pave the Wage '' bonus offer of 17 % bonus of the first initial Direct Deposit. Per the advertisement, I : 1 ) Joined Money Lion 2 ) I opted in on the App ( XXXX ) and obtained the Direct Deposit Form. I ( like many others ) never received an email confirmation although the app itself did notify me that I had opted in. 
3 ) Setup Direct Deposit ( first DD was deposited on XX/XX/19 in the amount of {$2300.00} 3 ) I maintained at least 90 % of the initial Direct Deposit every 2 weeks for 90 days. 
4 ) The up to 17 % ( so 17 % of {$2300.00} = {$400.00} ) has not been credited even though MoneyLion states it would be credited in 90 days of the initial Direct Deposit. 

I have tried contacting Money Lion several times, but they have removed all on-line access and you can no longer email them. Further, the phone # has had wait times " over 30 minutes '' and I've input my phone # to be called back several times. Have yet to receive a callback even after a week. 

If money lion says that the Trial Deposit from XXXX XXXX interrupted the Direct Deposit they are lying. Direct Deposits were every 2 weeks and clearly noted as Direct Deposit. Money Lion removed any ability to transfer funds OUT of the checking account ( I have an email where they said that the feature is being worked on ). Therefore, the only way to transfer your funds out of their bank is to link an external bank and " pull '' ( via ACH ). Therefore the XXXX Trial Deposits were needed. And those deposits were *clearly* labeled Trial Deposits, not Direct Deposit.

Company response to consumer: Closed with explanation