BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am attempting to obtain a loan and have it pre-approved with a minimum score needed of XXXX from Experian. My credit score previously was at XXXX. Suddenly, my score dropped 9 points to XXXX, leaving me a much lower margin of error and jeopardizing the pre-approval for my loan. When attempting to contact Experian about why the score dropped by 9 points, even though my percent of credit usage stayed the same and a credit card limit was increased dramatically, they were unable to explain why the score dropped. Further calls to their dispute line have resulted in hangups on their end as soon as I mention my name. If these companies like Experian, XXXX, and XXXX are going to have such a dramatic impact on whether someone is able to obtain a loan, they need to be held responsible for explaining EXACTLY why their reports and scores show changes, so that consumers can address the issues involved. 

Right now, these companies are just shills for the credit card industry, and hold themselves up as arbiters of credit worthiness, but can not explain, or refuse to explain, how their products work. They need to do so so that consumers can act accordingly to maintain or increase their scores, otherwise, their services are useless and arbitrary.

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 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi Portfolio recovery associates has enter debts that wasn't verified and credit bureaus are not doing verification neither and I need something to prove these are my debt. I'm not working and It's really doing a job on me keeping me from getting employment. I need to see a sign contract promise to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions 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:
As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX XXXX {$19000.00} XXXX/XXXX XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX  XXXX XXXX XXXX {$77000.00} XXXX/XXXX  XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX/XXXX  XXXX {$460.00}

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 2020-02-17
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020 my paypal account was charged XXXX - I did not purchase anything in that amount or transfer money to anyone in that amount. I do not know the person the money went to. I submitted this to Pay Pal and they let me know today XX/XX/XXXX that they deemed this charge to be in line with my past history. Which is not true, I have transferred money to people for games and trades my son is has related to video games but the most spent was {$27.00} dollars with exception for a purchase I made in the amount of {$300.00}. With that said the person 's pay pal account that my money went to is XXXX XXXX XXXX and it says I will see " XXXX '' on my credit card statement. I tried to let Pay Pal know after their decision that I absolutely did not authorize this payment and the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Reporting company used your report improperly

Complaint:
TransUnion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that I the consumer have to give TransUnion written consent to furnish anything on my consumer report. I XXXX XXXX the consumer never gave TransUnion any written consent to furnish anything on my consumer report. No consent is Identity theft. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) I the consumer have the right to privacy. My privacy has been breach because TransUnion continues to furnish these inaccurate accounts that I never gave them any consent to report on my consumer report. There is no such thing as public records for a consumer. 
I have attach the response I sent to TransUnion below.

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 2019-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are three Chapter XXXX Bankruptcies that Experian is Reporting that I did not file. For the years of XXXX, and two in the year of XXXX, I have contacted the Bankruptcy Court,  they advise me that they are not reporting these Bankruptcies because they do not see those years filed under my name, SS #. The Bankruptcy Court also advise they do not release any information to the credit bureaus or report to the credit bureaus. 
So I am not understanding if the Bankruptcy Court does not release any information to the bureaus why Experian is the only Bureau Reporting these Bankruptcies. 
Although it is Experian policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. Especially when I never filed these Bankruptcies. Therefore, Experian has no right to maintain information which the government has deemed nonexistent. 
FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate Experian response within 14 calendar days from receipt of this letter.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my 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 2017-12-29
Company: FULTON FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My husband and I paid off our auto loan with XXXX XXXX XXXX in entirety on XXXX XXXX, XXXX. It is now three months later and we still do not have the title. We have wasted countless hours on the phone trying to track it down. Our mail was being forwarded from our previous address, and we have had no issue receiving anything else. 



My husband spoke with XXXX XXXX who mailed us a form to fill out to get a duplicate of the title, which he had to go to the trouble of filling out, gather supporting documentation, and sending to the DMV in NJ - and waiting. We contacting the NJ DMV before the holidays and were told they were backed up and it could take weeks. This is now directly affecting the proper legal registration of the vehicle with the state of Florida. 



I would like to know exactly where the original title is at this moment? XXXX XXXX XXXX felt they could lecture me over a late payment and " not being a responsible person '' - yet my entire title is now missing? I have had to pay late fees when I drop the ball, so what consequence is the bank facing for losing my property? 


We paid off our loan, and should have had our title months ago. There is no excuse for this and an apology is simply unacceptable at this point. I would like the bank to obtain my title so I can properly register my vehicle immediately. I would also like every late fee I have ever paid to the bank to be redistributed to me as they should be held to exactly the same standard as their customers are. If the shoe was on the other foot the bank would be seizing my vehicle. This is not acceptable and I would like a proper explanation as to how this is okay for a financial institution to operate. We will be seeking legal action if this matter is not resolved in the coming weeks.

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 2017-11-09
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.

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 2020-02-17
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 am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled  {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX   XXXX XXXX ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called in to TransUnion to dispute hard inquiries and someone was suppose to call me and never did. I have sued them once for violating FCRA Laws and getting ready to do it again as I've kept evidence. This time I will go through the federal court system with an attorney I consulted with last time.

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 2019-06-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 A Direct Deposit from XXXX was set to deposit in my Chase Checking Acct and showed pending until XX/XX/19 causing 2 overdraft fees of {$34.00} each. I called XXXX to ask for a refund on these fees as it was not my fault that the Direct Deposit did not go through normally. I was refused the refund as in XX/XX/2019 I had a fee reversal for a unauthorized debit causing a fee. I asked to speak to a supervisor and explained I can not afford to throw money away over a bank deposit issue she could not help me either. I do not think this is fair and I am asking for help with this issue as I am not able to get help from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested the removal of the ( I ) -year Fraud Alert posted on XXXX XXXX, 2020 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 non-monetary relief
Consumer complaint received 2020-02-17
Company: Experian Information Solutions 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 a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX XXXX XXXX   XXXX XXXX XXXX. I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.

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 2020-02-17
Company: Improved Data Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 I received a call from a company called Improved Data Services, LLC out of XXXX, NY. They claimed they were debt collectors for a debt owned by XXXX XXXX XXXX, which bought the debt from XXXX. 

The threated multiple times to sue me if I didn't pay and told me repeatedly the only way I could pay was to provide a card number over the phone. I asked them for something in writing I could send checks to or any other way to pay besides giving a card number on the phone and they said no, and said the company was going to sue me if I didn't pay. I then called the XXXX XXXX XXXX and nobody answered. I left a message noting the phone ca I had received and asking how I could pay. This company IDS or the one they supposedly represent never sent me anything in writing and I was not aware of this debt. This IDS was a bully and aggressive and theatening over the phone. They need to be shut down. When I asked them to send me something in writing, they aend me the attached, which could be from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One bank has locked my credit card account stating that I need to submit a SSA form. I was told I would have the matter resolved within 7-10 business days. I have submitted the documents via fax as well as through a secured link and have not received anyway feedback as far as resolving the matter. It is now going on almost two months my account has been locked causing me an extreme inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX  sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX  this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Navy federal credit union has taken overdraft fee for 2022 XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} My account is low because every time I think I have money they are charging me fees. Your help is greatly appreciated Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX  do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.

Company response to consumer: Closed with explanation