BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

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 2019-03-07
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX is failing to process my re-certification for the IDR plan. I mailed, faxed and uploaded to their portal the IDR re-certification and included my most recent tax return in XX/XX/XXXX. They denied the application claiming they didn't have the required documentation and would not allow me to upload any documents and despite faxing and mailing it again they did not process the request. I resubmitted the application again on XX/XX/XXXX the day after they notified me that I had a new payment plan but there was no balance listed on the portal or in the paperwork. They denied the application again this time claiming it could not be processed because my payment was past due more than 15 days even though the alleged payment wasn't due until XX/XX/XXXX and I was not even informed of the payment amount until they denied the application on XX/XX/XXXX. So based on their own timeline, the basis for denying the application is erroneous. I immediately applied for forbearance but they claim it will take 10 days to review the request which will make me 30 days late and disqualify me from IDR loan forgiveness. This is bad faith, illegal, and they are intentionally causing people to default on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-07
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX there was an auto taken out in my name that I wasnt familiar with. Its from XXXX XXXX XXXX in the amount of {$10000.00}. Now, Ive called and called about this matter. I was told it would be taken off my credit back in XX/XX/XXXX when I called the bureaus. Then, last month I was told it would be taken off due to Statute of  Limitiations ( SOL ) of debt reporting in Michigan is 6 years. This account is 8 years old. This company uploaded a random payment that I DID NOT make in XXXX. XXXX XXXX XXXX XXXX such a fraudulent company!!! Please remove this from my 3 credit bureaus, for it says by law, that 6 years is the max amount of time debt reporting can report to your credit. Also, XXXX XXXX opened XX/XX/XXXX with a balance of {$760.00}, which is way beyond Statue Of Limitations reporting. There are 2 fraudulent debt collections from XXXX XXXX in the amounts of {$260.00} & {$250.00} that dont belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I also received a summons for this debt to the local court house with documents that were heavily redacted attached to include the loan amounts, account number, and even the signature line redacted so that I couldn't see if it was even a real debt. I couldn't even call to ask about the debt because there account numbers are redacted. There is no wet signature or any verification of this alleged debt. I have never received a validation of this debt or any notice of debt from Midland Credit Management nor have I ever heard of this debt collection company. I have never been provided any change to dispute these two alleged debts due in the amount of {$730.00} and {$490.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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:
This is my FURTHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXXBalance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was in the process of applying for car loans online, and was taken by a portal website to TransUnion 's website, where I was instructed to pay {$1.00} so that my credit report would be run, to facilitate the loan application process. This was back on XX/XX/2020. 

I am a former XXXX XXXX XXXX  and XXXX XXXX XXXX. Trust me when I said I read over all the documentation, before I was willing to give out my credit card number to authorize this one-time {$1.00} charge. To be extra cautious, I selected the credit card in my wallet with the smallest credit line. I have the e-mailed receipt for this {$1.00} transaction. A week after this event, on XX/XX/2020, I received a popup from my credit card company 's smartphone app, telling me that I had authorized a {$19.00} charge to TransUnion. I did NO such thing! I have called my credit card company to file a fraud charge, to cancel my credit card, and to dispute this fraudulent charge from TransUnion. I then attempted to log into TransUnion 's credit monitoring service website, and it will not allow me to log in or even reset my password. I called their customer service line, and TransUnion is arguing that I agreed to a {$19.00} charge, which I did not! Nothing in my e-mail receipt says anything other than {$1.00}. TransUnion is also not willing to refund this {$19.00} charge. I couldn't even get onto ther website to cancel this service, let alone take advantage of this credit monitoring service that they are telling me they've sold me. 

I don't care that this is TransUnion ; one of the three major credit bureaus. This is blantant FRAUD and they should be held accountable for this deceptive business 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 2017-09-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX andXX/XX/XXXXXXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries fromXX/XX/XXXX through XXXX removed immediately. As these things are negatively affecting my credit score.

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 2020-11-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
There are 8 late payments on my credit from Nissan acceptance Corp regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have Nissan acceptance Corp correct this mistakes. My name is XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I reported to FTC that this account is Fradulent as well to XXXX. I have reported this since XX/XX/2021.

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 2019-10-23
Company: KEYCORP
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 information incorrect

Complaint:
We have made two complaint with CFPB re : KeyBank HELOC. Please refer to past CFPB complaint # XXXX & # XXXX. Our HELOC was sent to foreclosure after KeyBank lost our check several times. We thought the issue was resolved, but apparently it is not! We have recently applied to refinance our home through XXXX XXXX, but have been stopped from proceeding due to this " foreclosure '' that is a appearing on our credit. There should be NO foreclosure on our credit. Again, KeyBank lost our check & during that time of the " misplaced check '' KeyBank sent our HELOC to foreclosure. We were told that all delinquent/derogatory reports to credit reporting agencies would be removed, but this is not the case. I need KeyBank to remove the foreclosure status from our credit report so we can move forward with our refinance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I logged in to my Walmart Account ( Synchrony Bank ) to make sure that my account was set up for payment. I noticed that my credit limit had decreased by {$350.00}. I used the on line chat and the person was not much help and said that I will get a letter in the mail. I asked to speak to a supervisor and I said I do n't understand that I have never missed a payment and she said it has to do with my credit score. While on line I pulled up my Fico report and said since you issued me the card my credit score has gone up over 25 points so that is not the reason. She said to wait for the letter. In the meantime I got a Fico alert that my credit score decreased by 25 points. I logged on it was due to the credit limit decreased imposed on my by Synchrony Bank, nothing else had changed. Credit Limit Decreases look extremely bad on your credit report. I then waited for the letter and the credit score they have listed and what my XXXX credit score on their " website '' ( yes, they show the actual Fico Scores ) was not correct. My credit score was much higher then the letter they produced. They are trying to blame transunion when in fact this company does practice what is called credit chasing. You use your card and pay it off and then as you begin to use it again, they start decreasing the limit. I looked on my Fico forum and there are tons of complaints where Synchrony Bank has done this to many cardholders for many retail accounts. And they send a notice about two weeks later, meaning if you go to the store and use their card and you are unaware of this you could get denied and embarrassed at the check out. This should not be allowed. If I had missed payments, abused my credit or my credit score actually did decrease significantly then definitely I could see that they want to protect their money. But not only was this not true, they actually made up a score to decrease my limit.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-07
Company: F.H. Cann & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX XXXX from FHCANN & Associates contacted me in XXXX of XXXX and made me aware of a debt that I had for student loans. Prior to him contacting me I was not aware of an amount, or that I was in default. After XXXX spoke with me he and I made an agreement to set up an arrangement to get back in good standing with my student loans on an IBR program. The program that he advised me to get on was only {$5.00} a month for which he specifically stated would be a duration of 8 months. In the midst of our conversation I made XXXX aware that I would be filing taxes and specifically asked him, verbatim, if I had any kinds of garnishments against me with my student loans that I needed to be aware of. XXXX specifically told me no, that I did not have any garnishments. He also did not make me aware that I could " possibly '' be offset either if I did file my taxes. On XX/XX/XXXX I made my second payment and revisited the prior conversation in order to be sure that I would not be offset once I did file my taxes. On XX/XX/XXXX I was offset for the US Department of Education. I called FHCANN & Associates and asked to speak with a supervisor, and was given XXXX XXXX. He stated that there was nothing that could be done. I called again at XXXX PM the same day, and spoke with XXXX another supervisor, who stated that the call had been reviewed by XXXX and XXXX had came to the conclusion that nothing was said off script and that XXXX `` did '' make me aware that I would be offset, and that XXXX never confirmed that I would NOT be garnished. As I told XXXX, this is incorrect, and I wanted the call reviewed again. I also requested transcripts to which XXXX told me that FHCANN is not required to give me, however he stated that the call would be reviewed by a manager and that he would follow up with me in 1-2 business days. I would like to make a complaint based on the misrepresentation that XXXX made. From my understanding, XXXX is NOT a tax consultant, and therefore should not be answering tax related questions with definitive answers. I, the consumer, was also not made aware of the " possible '' offset which is a clear violation of FHCANN & Associates contract with the Dept. of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these accounts. This is purely identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Vital Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). 

I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation