BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: NC
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:
The company XXXX and Experian included on XX/XX/2021 in my credit score a dispute that affects my score without my approval. Unfortunately, this situation affects the acquisition of services and goods for the well-being of my family.

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 2017-11-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

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 2020-07-26
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed my credit report to find this company had placed an unverified account on my credit profile. 

I reached out to this company to inform them that this information is incorrect because I had XXXX XXXX and not XXXX as they stated they did not supply me with any documentation on this debt and I also informed them that I share the same name as my father. 
They were unable to verify any of the two vehicles that is currently registered to me This is unacceptable and this is hurting my credit during a global pandemic and they cant place inaccurate information that hasnt been verified. 
I have no contracts or dealing with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I qualify for loan discharge as a XXXX XXXX XXXX veteran. 

XXXX sent letter to me on XX/XX/XXXX. 

Called XX/XX/XXXX, they said it should be zeroed out by XX/XX/XXXX. 

Called XX/XX/XXXX, Navient said the funds have been transferred and should be complete in 10-15 days. 

Called again on XX/XX/XXXX, Navient said there were issues with the guarantor and there was nothing I could do. 

XX/XX/XXXX. XXXX confirmed that it has been approved. Asked XXXX to resend letter to navient. 

XX/XX/XXXX Called Navient again. They said they needed more documentation. 

I just want the loan discharged according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First my complaint is not against XXXX XXXX XXXX as documented in your records. But against XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
There was also an error made in having XXXX XXXX begin their records search on XXXX XXXX, 2017 rather that XX/XX/XXXX, 2017XXXX XX/XX/2017. The actual dates that I was a patient at XXXX Hospital. Despite this error, you will see that it has no effect on the outcome of this very serious matter. 
Below you will find the attached timeline of my stay and the events that followed. Each with a documented evidence supporting my argument.

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 2018-02-09
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 belongs to someone else

Complaint:
There are inquiries on my credit report that are not mine or authorized by me, as law requires. 

I called Transunion and requested they correct the issue and was told they can not help. 

The inquiries specifically are : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please help me correct this issues and force Transunion to appropriately work with clients.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Personal information incorrect

Complaint:
Equifax has persistently listed incorrect information in the credit report. 
1. They list 6 addresses for me when I have had only 3 residences in the last 20 years. Two of the addresses listed are former office addresses for businesses I owned over 18 years ago. One of the other addresses is inaccurate - a typo of a legitimate address. Several of the addresses are erroneously listed as current and the dates for all are incorrect. This has become a problem because it is at odds with rental history information I provide to potential landlords and credit sources. My residential addresses must be corrected. 

2. In XX/XX/2018 I reported an unrecognized purchase using my bank debit card to my bank. Equifax has placed a seven year fraud alert on my credit report, where none is needed. That bank card was cancelled by the bank immediately. The fraud alert was recently reported to a landlord reporting service as though I was the fraud perpetrator rather than the victim! The fraud alert should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've sent atleast 3 certified letters to Portfolio Recovery in regards to an account that mysteriously showed up on my credit report. They never sent me a letter to be able to dispute debt. When they did call me in XXXX, I quickly asked them to send me a letter in regards to their debt collection. When I discovered this collection on my credit report, I was shocked to find that the open date of XX/XX/2019 since which is well past the window of which I can lawfully dispute the debt with a collection company. Starting in XXXX, I quickly sent them validation letters and have been sending them a letter once a month ever since. They have never sent me any validation despite me sending certified letters with proof that they received them. I attached my last letter sent to them via certified return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: EQUIFAX, INC.
State: LA
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:
Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX CU partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
It was reported on the day to Transunion via phone which an alert was received in reference to an alert that was received. The hard inquiry alerts listed below was not consented or authorized by me. The other 2 credit bureaus have as well been notified and the appropriate deletion and updated credit reports have been corrected due to previous and current information being exposed in data breaches and also online. I am requesting for the inaccurate inquiries that was NOT authorized to be deleted as this is hurting my credit score. I was not contacted by any creditors in reference to the alerts nor did I receive any documents via mail. My credit reports clearly states Please contact the consumer at - before issuing credit or goods due to previous fraud. The creditors listed below did not follow guidelines and regulations of the law written. The companies were contacted and I was advised to contact the bureaus again for deletion.

Hard Inquiries not authorized by me 1 ) XXXX XXXX  XXXX XXXX XXXX, 2019 2 ) XXXX- XXXX XXXX, 2019, 3 ) XXXX XXXX- XXXX. XXXX, 2019 and XXXX XXXX XXXX XXXX, 2019. 

Attached below are a few documents

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 2018-05-01
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: Public record information inaccurate

Complaint:
There is a bankruptcy reporting on my account that is erroneous in amount that is showing {$0.00}. Also I was told that it had been verified through the courts which was a lie because I received a letter from the courts on XX/XX/XXXX stating that they do not do such.

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital one 360 canceled my debit card to my checking account without any notification. This cause me to not be able to purchase groceries that I was in line trying to purchase causing great distress and problems. The representative said they had sent another card in the mail. I was not expecting to be sent another card since I already had a card good until XX/XX/2023. They said they would not reactivate the card, and left me unable to purchase food. I was not able to purchase gas. Due to work hours extended for work during pandemic I could not find time to reach the single branch located in my area during their hours of availability. Bills associated and linked to the card were not automatically paid. The bank removed all access to my money at great cost to me. After being a victim of consumer fraud from an illegitimate business advertising false products, the bank said I could not activate the card they had sent prior, and that yet another card would have to be sent. They said 3-5 days and it was 10 days before I received the card and in that time had no access to food or the things I needed until I could take time from work to reach the bank on their hours to get money until the card arrived. It is very simple, no bank should be allowed to shut off cards and access without directly contacting the client. If they don't do these actions for millionaires and treat them in such a way then they shouldn't be allowed to do it for everyone else either. it is discrimination, and it is wrongfully withholding access to an account without explanation or any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has refused my requests to validate and verify an account. I have made many responding requests regarding this to them. Portfolio Recovery has also completely ignored my cease and desists requests. 
Portfolio Recovery then took it upon themselves to report inaccurate, unvalidated, and unverified information to all 3 credit bureaus, leaving a damaging mark on my credit reports. Please see attached. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX   of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.

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 2021-09-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am working to correct all of the inaccurate information on my credit report due to irresponsible reporting and fraudulent bankruptcy attorney ( Attorney XXXX XXXX ) ( who is involved with and have bankruptcy debt buyers only wanting chapter XXXX and XXXX debt ) listed in my bankruptcy. And have my entire credit report completely ruined. I continue to find accounts that should not be on my report. 

I will attach an account that has been re-aged and not at all showing, reporting or listed. Please have this account completely and permanently removed/deleted. Not hidden to be available for other programs to secretly report. I want this permanently removed. 

It ; s been OVER 7 years and has no business listed.

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 2019-04-23
Company: U.S. BANCORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I received a collections notice from US Bank on XX/XX/XXXX for end of lease fees owed on a lease that was terminated in XX/XX/XXXX. The fees owed were related to local property taxes for the XX/XX/XXXX - XX/XX/XXXX tax period. The amount was pro-rated, and I checked with the Town to ensure that the tax amount was correct and payment was made by US Bank. However, I continued to receive multiple notices of collections from US Bank and was unable to reach a representative to confirm information upon receipt of the first notice ( lines busy, long hold times ). I paid the amount due, and then received three more collections notices. When I call Customer service, they acknowledge the payment made, but I continue to receive collections notices. 

Again, my lease ended XX/XX/XXXX ( and was not an early termination ). There had been no other contact prior to XX/XX/XXXX. 

Additionally, during the time of my lease with US Bank, I had at least three occasions of payments not pulled according to the automatic payment settings, and at least 2 instances of lack of notification of taxes paid, followed by late payment notifications because my auto pay was not set up to cover the tax amount. the web portal for account information never showed a payment history. I was forced to call each month for an update. When attempting to contact US Bank about this, I was told they were aware of the technical glitch and that it was being addressed.

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 2020-05-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt isn't being reported as a repossession, also not providing me with amount after sale if vehicle. Reporting incorrect amount and auto loan opened under invalid circumstances as auto loan was provided to the initiator having only a permit and not a drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: I.C. System, 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 information incorrect

Complaint:
Hi. I dont contacted this company about reporting on my credit report. I asked why they are reporting false information on my report. She asked my address said no match and asked my last 4 of social and then stated thats not what they have but they are reporting on my credit report - proof attached - clearly her comments show its inaccurate and by Federal law should be deleted immediately!

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 2021-11-05
Company: CITIBANK, N.A.
State: PA
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 have two inquiries from Citi -bank for the same day. I applied for the account, it was opened that day but I have two inquiries from the date even though I only applied once. I called and asked to have this fixed and they told me it would be handled. I then received a letter stating there is nothing that can be done. The date of my application was XX/XX/XXXX and I have 2 inquiries from that date from Citi- bank.

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 non-monetary relief
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Either Wells Fargo or some other private individual has opened a fake checking or savings account in my name. The only reason I came to know about it was when a PIN for a debit card was mailed to my address. 

I do not have the account number for this fake account opened or the debit card. I do have a closed mortgage account. When I log in with the credentials for this closed mortgage account, I can see in the bank communications portal that a debit card was mailed to my old address where I resided in XXXX and prior ( debit card was mailed in XX/XX/XXXX ). Then another message says another debit card was mailed to my current residence in XX/XX/XXXX. That wasnt received either. Only a PIN mailer was received. 

Upon calling Wells Fargo customer service, the phone banking system prompts multiple times to enter an account number ( which I do not have ) and doesnt let one to speak to a customer service representative. Then after a long delay I was able to get to a customer service person. That person refused to help me and gave me an XXXX number to call to handle this complaint. Upon calling that number, I spoke with the representative and explained the situation to her. She put me on hold for a long time and never came back. After about 15 minutes or so, I hung up. No attempts were made by Wells Fargo to call me back. 

At this point I do not know how to resolve this issue after multiple failed attempts to bring this issue to the bank 's attention.

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