BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2020-06-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I applied online and opened a savings account at Comenity XXXX on XX/XX/2020 at a stated interest rate of 1.70 % APY. I requested at the time of application that it be a joint account. This was not honored y the bank - it took 3 weeks to get my spouse added. As soon as they deposited my funds, they dropped the interest rate. I therefore requested they return my funds and close the account in mid XXXX. I have called multiple times to get this accomplished. They've promised me that they will send the funds back to my originating bank but nothing has happened.I spoke to a supervisor again this morning ( XXXX ) and again promised it would be sent but was not able to provide a reference and informed me they were very busy. I am requesting that my funds be returned to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Funding LLC started attempting to collect a debt in 2014. They claim I owed them {$1200.00}. They are reporting this on my account plus adding interest they have also stated they will be levying my bank. I have never had an account wit this company. I called Midland Funding 4 times in the three months to attempt rectify the situation to no avail. Every time I call them they are saying that their court officer, XXXX XXXX is handling the case and they have n't been able to contact him. I have not been able to contact him either and I 've tried calling several times. His account is having a very negative impact on my credit. It prevented me from obtaining a home mortgage and I 've called them and explained to them that I needed to take care of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Pioneer Recovery has just taken over my student loan without my knowledge after I had filed a complaint with XXXX and is harassing me and my family and my work place looking for me. While I am trying to straighten things out with XXXX I would like them to stop the phones calls.

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: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loan servicer is FedLoan Servicing and I have been working toward Public Student Loan Forgiveness. FedLoan is missing three of my qualifying payments in their records and I requested a review in XXXX XXXX in order to locate the payments and have them added to the list of my qualifying payments for PSLF. This review has not yet been completed. I called FedLoan again on XXXX XXXX, XXXX ( 14 months later ) and FedLoan can't take a second request for a review of my account until the first review is complete. FedLoan could not provide an estimate for how much longer the review will take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, XXXX  XXXX XXXX XXXX XXXX XXXX, SD pulled a credit inquiry on me without my knowledge or consent.

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 2018-07-27
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
There was not a specific option for my issue. 

My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. 

I have never seen a document from them proving that I in fact own them the loan? 
Amount is around 40, 000?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: MD
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:
Credit Bureaus changed the status of my XXXX XXXX XXXX Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the XXXX XXXX XXXX XXXX, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
XXXX XXXX XXXX Ohio Stated I opened account XX/XX/XXXX and open another account XX/XX/XXXX. There is no outstanding balance. 

This information is incorrect.

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 2020-10-30
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Credit began on XXXX XXXX Balance {$9200.00} Monthly Payment {$240.00} XXXX XXXX XXXX APR 24 % used vehicle. Three years later Balance is {$7500.00} and they gave a deferment since XXXX until XXXX XXXX, they told me the will continue charging interest rate but they will put them at the end of the Loan because they gave to me an extension. Since XXXX until XXXX they said my monthly payment is going only to the interest, so right now I have paid {$900.00} just only in interest rate. Also I called them in XXXX because I had an accident I was off work and they gave m e an extension but they put a miss-payment mark in my credit report in XX/XX/XXXX. I continue struggling with my financial situation due covid19 but they said they will no help me with another deferment. In three years I have paid {$910000.00} for an used card and I still owe XXXX and my payments are going only to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: PNC Bank N.A.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have been filling out credit card applications at this financial institution numbers of times. I have been recently denied a cash builders credit card by this bank that i have bank Accounts with and been conducting business with this bank financial and credit card Institution for many years. i feel that i have been a valued customer or client with them And feel that i am being treated unfairly, i deserve the right to be granted trust like any other Person or consumer of this bank. my credit score is good, all debts are paid or satisfied There are no issues with financial companies.please do a complete investigation for Discrimination issues and to be certain that i am being treated equally and to avoid future Complaints or disputes with the banks financial institution or who's involved with the Approval of credit card applications.Thank You Sincerely.XXXX XXXX.P N C Bank Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with Huntington Bank. It is due monthly on the 1st in the amount of {$640.00}. I was late paying my mortgage this month, due XX/XX/2020and logged on to my account to pay the mortgage payment XX/XX/. I could view my account, and my banking account is also with Huntington and completely accessible, but was locked out of making my mortgage payment on their online website. Grace period for my loan is the 16th of the month, but this occurence is still one day less than the 30 days for it to be referred to the credit bureaus as delinquent. I acknowledge that I was late, understand a late fee ... but what I don't understand is why you are locked out of the website when you are trying to bring your account current? I have the conversation recorded with Huntington and they said that they now can lock you out of your account on the 16th day, and they can do so " without notice ''. Is Huntington purposely trying to promote foreclosures or promote ruining one 's credit score when a person is attempting to pay their bill ... especially in economically trying times like COVID?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!

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 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Last sunday XX/XX/2021, a person contacted me by XXXX. This person hacked my cousin 's phone number. This person ( supposedly my cousin ) asked money for an emergency situation. The person sent the amount XXXX {$450.00} XXXX, and sent me the personal deposit information : XXXX XXXX XXXX XXXX. 
I sent the money, but the next day I knew that it was a scam or fraud. I tried to contact my bank XXXX Bank of America XXXX, but it was closed because XX/XX/2021 was holyday. 
So, next day a contact the bank a they took my declaration about the situation. And they told me that they don't sure if they can send me my money back, but they needed 90 days, for triying to fix the problem. 
I don't understand what is the protection that the Banks offer to costumers. Nobody worked on holydays, they can't give us the security that they are going to respond of the situation. I need help with this case please.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX I NOTICED THAT AN ACCOUNT WAS REPORTED ON MY CREDIT FILE BY CONNS WITH THE PAST DUE AMOUNT OF XXXX OPENED IN XX/XX/XXXX. I HAVE INFORMED CONNS THAT THIS ACCOUNT DOES NOT BELONG TO ME AND IS A DIRECT RESULT OF IDENTITY THEFT YET THEY STILL REPORT ONTO THE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: BTH Management
State: VA
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:
On XX/XX/2020, PLAZA SERVICES add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PLAZA SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the account XXXX ( XXXX XXXX XXXX ) {$1100.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: IN
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:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX Bank. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX, TX XXXX  
(XXXX) XXXX XXXX XXXX XXXX XXXX  Inquiry Date	XX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal DateXX/XX/XXXX
Business Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX



accounts :
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX  
XXXX
XXXX XXXX XXXX/LA
XXXX

address: not mine XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA 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