BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
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: Account information incorrect

Complaint:
XXXX  XXXX Balance : {$13000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXXXXXX XXXX Balance : {$940.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$1900.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$720.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$1400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

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 2020-05-01
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have some very alarming concerns about what these companies are trying to do. I have been receiving collection notices from TWO different companies. Why are TWO different companies trying to collect on the same alleged debt???? I feel very harassed and stressed getting these demands from TWO different companies for the SAME bill!!! The companies are Rodenburg Law Firm in XXXX, ND and XXXX XXXX XXXX in XXXX, VA. One of them sent a Sheriff with a summons to my house and handed a summons to someone else that was there. I do not remember which one I talked to on the phone, but they were very rude and demanding. I felt very harassed and was forced into setting up a payment arrangement that was financially out of reach for me. Even though I did not know what this debt was for, I tried telling them about my financial difficulties due to medical issues but they did not care. After speaking with my niece, who is helping me with my financials after my medical issues, she said we need to know what they are talking about before you send them money. We then sent them BOTH a request for validation letter. 
They BOTH responded. 
Portfolio response was with a few old credit card statements and a Hardship request form, which we filed out and returned to them. 
Rodenburg Law Firm sent a stack of statements and a demand for payment/ threatening court and a settlement offer due immediately. 
I am also VERY concerned as to why this company, who is saying they are a " law firm '', is sending information in the mail that contains my social security number on it for anyone to see???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: PRESTIGE FINANCIAL SERVICES INC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX was a total loss in XX/XX/XXXX. XXXX paid their insurance balance of the car which left it to Gap to pay remaining of the balance. Gap of of today XX/XX/XXXX just processed their payment for the remaining of the balance owed to the Auto financial company. A late payment was added onto my credit that was incorrect and shouldnt have been added since they were informed on receiving the remaining payment of the car. Gap just made the payment and will be sending out a letter stating that sometime this week stated from the account manager who is working my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
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:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

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 2021-11-29
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Was scammed on the phone and internet money was deposited into my account the bank released the money to me and the scammers had me buy gift cards and send them the card information my account was hit a few weeks earlier and now they are trying to make me pay the deposit that they put into my account {$860.00} iam on XXXX and can not cope with all the damage this has caused me and my ability to provide for my mother

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: VA
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 am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2021-06-24
Company: Square Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXXXXXX XXXX made an unauthorized charge to my SquareCash Visa for {$98.00} in XXXX XXXX AZ XXXX I had not been in that area for over two weeks, nor did I make an online purchase with XXXX. I noticed the fraud charge two days later when my card was declined and checked my account history to find out why.

SquareCash does not dispute transactions for you, they tell you to contact the merchant to resolve fraudulent charges. Later that day I called Targets corporate helpline that deals with security issues. The associate informed that the person to handle the issue had left for the day & to call back the next day. I did and they opened a case to investigate the fraudulent charge. I followed up Monday the XXXX per their instruction and after being transferred to someone I was told there was nothing they could do for me because there was no history of the transaction. 
I then returned to the SquareCash Support and sent an email XX/XX/XXXX requesting they correct the fraudulent charge. They responded the following day with brief instruction on how they will proceed, then I got another follow-up the XXXX with further instructions and questions about the fraud. I responded the XXXX and again the XXXX and have not heard any response since. Im concerned that no will fix this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
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:
My name XXXX XXXX, I've been XXXX from the US Military since 1971. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in 1971. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/XXXX, I was exchanging funds via Paypal for concert tickets. The tickets were supposed to be transferred to me via XXXX XXXX, and the user on XXXX had me send them money via paypal. I wasn't sure if I trusted them, so finally agreed to send half of the money ( {$100.00} ), then they were going to transfer the tickets, and then I would send the rest. They told me to transfer the funds via fnf " friends and family '' and I didn't realize why. I transferred the money, and the user immediately disabled XXXX XXXX, which is how we had been communicating, and removed their post from the XXXX group so that I couldn't contact them or have a record of their soliciting business. I've filed a complaint with XXXX, and am looking to try to have the funds transferred back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: ALLY FINANCIAL 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:
I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove 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 2019-05-24
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:
My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-06-20
Company: USI Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail on XX/XX/XXXX stating I repay a debt to XXXX in the amount of {$1700.00}. I have never opened an account with XXXX  and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During covid 19 of last year we had lost our jobs and were able to work for quite a bit. I had contacted Shellpoint Mortgage last XXXX XX/XX/XXXX and requested a forbearance, they received a hardship letter and info they needed. XXXX came up and we started getting letter about being behind on our home and late fees were added on for months it didnt seem like a forbearance ever happened, i had been in contact with this company with emails and phone calls. For some reason or another the gentlemen couldn't open up my Pdf or didn't receive it everytime, i would call and talk to someone else and they had no idea what i was talking about! there was no communication threw dealing with shellpoint mortgage and this covid 19 crisis. The last conversation i had with this company was absolutely horrifying this was XX/XX/XXXX while trying to get someone on the same page as me or even to point me in the right direction, the employee on the other side of the phone was so rude as i am crying about the possibilities of losing our home. He then asked me if i had any wealthy friends that could loan me the balance was due on my home, which was XXXX i was shocked, and then he goes on and says u should sell your home. i have XXXX children under XXXX!!! this was not ok with me and im sure alot of others feel the same,. On XX/XX/XXXX we recieved a letter of a loan transfer to a new company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One Venture Rewards card advertises the ability to transfer points to partner airlines. 

I am a cardmember. I also have a XXXX XXXX frequent flier account with XXXX XXXX and Capital One is advertising a promotional rewards point transfer to this program during the current month. 

There is an apostrophe in my last name. This punctuation exists on my drivers license and passport, and the airline asks that the name on my frequent flier profile match to those documents. So it exists on my frequent flier account also. 

Capital One has a system that can not support this punctuation. I attempted to contact them to spell my name correctly, and they informed me that I am not eligible for this card benefit unless I update my frequent flier account so that it won't match my ID. 

Their agent was very friendly but told me that they would not take any action to help me, and that their system issues are my problem. While not intentional, this treatment is discriminatory because other cardholders are able to use the benefit, and I am not. I pay the same fee as those customers, and I strongly believe I should be entitled to the same services as everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Trident Asset Management, L.L.C.
State: GA
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in different periods of administrative forbearance since XXXX of 2018 and transferred to XXXX XXXX in XXXX. Despite this, XXXX reported me as delinquent. They are easily able to see that I am NOT delinquent - nor have I ever been. However, they are yet to reconcile this issue with the credit reporting companies. I am unable to get a BADLY needed loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: EQUIFAX, 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:
After submitting an Identity Theft report to Equifax they removed the accounts associated that weren't mine ; this occurred in XX/XX/2018. Just recently checking my credit report on XX/XX/18 they re-inserted the information back on my credit report. According to FCRA law I am supposed to be notified within 5 days and as of today I have still not been notified. I want these items permenantly deleted from my credit file and never reinserted. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Card, XXXX Card, XXXX XXXX, XXXX-XXXX, XXXX/XXXX, XXXX Bank, XXXX, XXXX XXXX, XXXX XXXX Card service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: Experian Information Solutions Inc.
State: MD
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:
I have a car loan with XXXX XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against 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