BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $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 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute with the 3 credit reporting agencys. Transunion, XXXX, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.

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 2018-04-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. 

-On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. 

-I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. 

-The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. 

-On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi.  Never called back. 

-On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. 

-on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. 

After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.

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 monetary relief
Consumer complaint received 2018-07-14
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX I applied for a loan at The Cash Store and paid of my loan and noticed that money was taken out of my account and as, I started to investigate an Employee at The Cash Store comited fraud and write checks under my account without my permission for her own personal use. How that happened to me don't understand, I was told that this was not the first time that employee done that to other customers. And now I have a collection on XXXX  XXXX  & XXXX  in the amount of {$760.00} im not responsible for that amount an employee takes out money and im in debt to pay this has to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have disputed, notified, notarized documents, and sent numerous letters to the following agencies, lenders, loan servicers, default depts, etc. Telling them all THAT THESE LOANS ARE NOT MINE, AND I WANT MY NAME OFF, MY MONEY REFUNDED, AND CREDIT REPORT CORRECTED, AND COLLECYIONS STOPPED. No one LISTENS. I have told : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. AES/PHEAA 6.AES/XXXX 7. XXXX XXXX 8. AES/XXXX XXXX XXXX XXXX 9. AES/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX that I paid my PUC student loans off years ago before XX/XX/XXXX, and that my first student loan at XXXX XXXX XXXX I paid off over 25 years ago, so how they could say it went into default in XX/XX/XXXXis absurd. It says paid off on the promissary note they sent me. As well as there 's no way in he -- the Federal government would give me a 2nd student loan if I had a loan that went into default 6 months earlier. They claim # 1 Lon at BBI, Which I got in XX/XX/XXXX, paid off inXX/XX/XXXX, went into default, XX/XX/XXXX, and 6 months later federal government gave me a # 2nd student loan XX/XX/XXXX for PUC. No flipping way would governmention ever do that. Also, and Bank XXXX XXXX confirms they never gave me a student loan, which all these loans were made by XXXX XXXX XXXX. They even showed at one point BBI loan came from XXXX XXXX XXXX too, which it did n't it Came from XXXX XXXX XXXX. Common sense tells you this info is not correct.
No XXXX XXXX XXXX was sold, and is no longer open, but was split and bought by XXXX, and XXXX XXXX.
I have my original loan documents from PUC showing amount of my loans, amd they do n't match the amounts these 11 federal agenvies are claiming that are mine. What do I do to resolve this. They continue to steal my money, I am XXXX, and on a fixed income, and they continue nonetheless. Not to mention their pathetic response to my disputes, is to simply give/sell the loans to someone else.
At one point these loans were in 3 states, 3 different account numbers, at the same time/years, same amounts, and all 3 charging their own additional fees. A XXXX loan is now over 18k, after XXXX  worth of payments they stoled from me. And they are not even mine. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to TransUnion, XXXX, and XXXX  requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will 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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently reached out to Transunion about unknown inquiries on my report. I have 19 hard inquiries showing on my report for dates that are dame day pulls or back to back dated pulls. I have no knowledge of these companies pulling my report, nor did I ever give permission for it to be pulled. The only 2 car financing that I approved to pull my credit is XXXX XXXX & XXXX XXXX which was yo be ran for approval through my bank XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX. I did not approve another company to pull my credit. This has caused a major problem. 
Car lots are doing this alot & hurting peoples credit badly. It needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: HYUNDAI CAPITAL AMERICA
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:
Kia financing company continued, throughout our car loan, to put missed payments on our credit, which were not late. Additionally, the car in XXXX was totalled and they still continued to put late payments on our credit.. We were then unable to reach the company by phone or in person. Over 3 months later the issue was resolved, though they would not remove the late payments from our credit. The car was paid in full to Kia and the check cashed on XX/XX/2020. I just received another late payment notice on my credit for the month of XXXX from Kia finance. Every time we have tried to call we get a recording saying that due to Covid they are not taking phone 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 2018-04-03
Company: CITIBANK, N.A.
State: CA
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:
Citi Bank cliamed to close my credit card because I had done money laundering. I was told my supervisor they thought I was doing money laundering and that was reasoning for closure. Never in my life have I committed a crime and I have perfect payment history with all my cards for 6 years. I have no idea what in the world made them think I was doing such a thing. Please provide 100 % proof of your findings or reopen my account ASAP. This is discrimination and false accusations of someone who has been a perfect client with perfect 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 2020-10-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I used the " E-Check '' service to pay my XXXX XXXX XXXX account with prepopulated information. Somehow the 3rd party, FIS who is contracted by XXXX XXXX XXXX to handle these payments caused an error. My payment was " returned '' and subsequently I got a notice stating that an other account ( with a name I am not familiar with ) had the payment bounce. My bank shows no record of even a payment being attempted. Now I have incurred a {$30.00} fee for a " returned payment '' when it was not even my account. It seems impossible to actually call or contact FIS at all. XXXX XXXX simply claims it is a {$30.00} fee because " our 3rd party charges it ''. 

There are several issues with this. XXXX, no payment attempt was made. 2. privacy issues have been breached with someone else 's account being mixed up with mine. 3. a {$30.00} fee charged to my account when there was never a payment attempt is a violation of Tennessee law and also a violation of UDAAP under Dodd-Frank. FIS has no reason to charge me a {$30.00} fee. It is ridiculous there is no way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Komyatte & Casbon, P.C.
State: IN
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:
XX/XX/2018 i requested that that the two collections on my credit reports be validated and i received no response what so ever. I have tried to dispute this with all three credit bureaus as well and they refuse to acknowledge my request. I have a right to know what is in my file and who provided it without my consent. Currently it is two collections on that is being reported by the name of ( XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} ). The second collection account that is being reported is by the name of ( Komyatte & Cabson P.C with a balance of {$8600.00} ). I also know that I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. Not one of these companies can provide me a signature stating that i authorized the provider to release my medical information to them and that is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I called my local branch of Key Bank to inquire about doing a wire transfer. We set up an appointment the next day. We went into the bank and did the wire transfer with the branch manager. NOT ONCE, on the phone or in person did he mention a fee. Had he told me I would be charged {$30.00}, I would have done a cashier 's check!!! 

I chatted online with KeyBank and called their 800 number and both told me I had to talk to the branch. 

So I called up XXXX, the branch manager we worked with, and he was flippant and unapologetic about not mentioning the fee and refuses to refund it. He also wouldn't let me escalate it or even discuss a refund. 

I don't think it's fair to be charged a fee when I wasn't notified in advance. I would have done the cashier 's check instead. It wouldn't have cost me {$30.00}!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Collection Management Services, Inc.
State: MN
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:
XXXX. 
Account # XXXX Account opened XX/XX/2016 amount {$410.00}. 

Contact Information : Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collection management, original creditor Advanced What Happened? 

These are medical debts that have been disputed with personal phone calls and I believe the original bills are re-generating themselves. 
I would like these inaccuracies to be investigated and removed from my credit file,

Company response to consumer: Closed with explanation