BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}

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 2020-10-18
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-01-19
Company: EQUIFAX, INC.
State: MD
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:
My credit score is incorrect; and I am unable to get Equifax to correct it. It is currently reporting at least XXXX points LOWER than other credit reporting agencies and ALL are displaying the same information. I believe that my score is purposely being suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS A HUGE ISSUE AT HAND. 

I have contacted AFFIRM numerous times to get assistance, once again Im hard of hearing. I cant understand whats being said on the phone, which I have stated and its well known. 
I have 8 loans left in Charge Off and by their own rules they should have gone to a collections partner by now. Their collections partners have had no issues with communicating through email which has helped me greatly and have been able to pay those off.

The charge offs are almost 1 to 2 months old. And they have yet to send them to their collections partners. Which has made it impossible for me to pay it because theyre demanding I call in, which would take complete advantage of my hearing issue and not understand whats being said. And having an agent demand I have a family member help is not acceptable. I am a XXXX veteran on top of this, so some help would be nice for a change. 
When I ask for help in messaging or emailing Im just told to call, it doesnt matter how many times I say I cant understand whats being said on the phone due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: NV
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:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. 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 explanation
Consumer complaint received 2019-08-10
Company: Experian Information Solutions Inc.
State: KY
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 identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}

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 2020-10-15
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management, L.P. is attempting to collect a debt that is not mine. They are finding my number online and using " associated number '' tactics to look for this person. I have stated to them countless times to not call me because I have nothing to do with the debt. I have not cosigned, I have not given them my number as a contact. They are just looking for numbers online and calling to collect the debt. This company is associating names and 'possible ' relationships and just calling blindly. They have been calling for months and is still calling my phone, after I have told them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: CT
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've filed numerous disputes with Equifax requesting that this information be deleted, due to it being a closed account from the original creditor due to the FCRA Act the credit reporting agency has approximately 45 business days to rectify this information and to date this information is still showing as opened with a collection agency by the name of XXXX XXXX XXXX however in speaking with the credit bureau Equifax they can not provide me with verifiable information that this account is mine or that the creditor collection agency has provided them with verifiable information that I am indeed the one whom has an open account with them! 
Please remove this negative information from my credit report it's causing me dire hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three 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 explanation
Consumer complaint received 2020-12-07
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:
Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX  and Experian however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.

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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Capitol One Bank. 

The bank called me regarding two suspicious charges dated XX/XX/XXXX for {$120.00} and XX/XX/XXXX {$120.00}. Total {$240.00}. They were made in XXXX XXXX, XXXX. I was in XXXX XXXX, XXXX about XXXX miles away. I confirmed to the agent they were fraudulent charges, but I did still have the XXXX  with me. On XX/XX/2021 the bank wrote a letter that I was NOT responsible for the the fraudulent charges. " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges ''. 

However, they continued to bill me. I sent a certified letter to confirm the charges were to be reversed as per their letter. No response. I called them ( again ) and was told that if I could prove that I was not in XXXX XXXX they would reverse the charges. I offered an XXXX ride receipt in XXXX XXXX. It didn't matter. That want proof that I was not in XXXX XXXX. They want me to prove a negative. 

The bank has since reported my account as past due severely ruining my XXXX score. The bank refuses to acknowledge the charges are are fraudulent and must be reversed. They also need to update the credit bureaus to reflect their error. They destroyed my crashworthiness!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( XXXX XXXX XXXXXXXX ). I financed the car through Hyundai Motor Finance. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to Hyundai with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of Hyundai Motor Finance. I am trying to see what my other options are on getting this taken are of.

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 2020-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For EXPERIAN 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For XXXX  1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For XXXX 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For TRANSUNION 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information 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 2019-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my Citizens Bank account on XX/XX/2019. However, I just received notice from Citizens bank that they reopened my account ( without my authorization ), and processed two unauthorized debits ( {$16.00} to XXXX and {$14.00} to XXXX XXXX ) plus charged me an overdraft fee of {$35.00} for each. The total they are charging me on my closed account is {$130.00}! 
Note : The issue of the automated {$16.00} per month to XXXX, arranged by my wife who passed away in early XXXX, 2019, has already been reported to the CFPB separately. As for the {$14.00} to XXXX XXXX, my plan was cancelled as of XX/XX/2019, due to my moving out of state to CO. So, no debit should have been authorized, Besides, I no longer have an account with Citizens Bank! 
Please see my earlier complaint for more information so you can understand the history behind this and all the attempts I have made the past fews months to get issues with Citizens Bank resolved. These people have been impossible to deal with, no regard for me as a customer, let alone a Veteran and retired senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Avadyne Health Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is collecting for a non debt. I cancelled that company and they provided no services for the money they want. The so called prescription coverage was cancelled when I had a XXXX copay on a prescription that cost me without insurance XXXX. Not only are they thieves so is the collection agency that attempts to collect a false debt. If this goes on my credit report I will sue through the Attorney Generals office of the state of Washington. Collection companies should be required to make sure they are collecting a valid debt otherwise things like this happen. I am not your normal passive take it in the XXXX person I will pursue this to the end and beyond. I am so disgusted with rip off health care I am devoting a part of my life to make companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I stayed at a XXXX XXXX. Prior to staying at the hotel, there was a credit card authorization form completed and on file with the hotel. The hotel required me to use my card in question for incidentals. 

Upon check out, the hotel charged my card in the amount of XXXX us dollars. I did not notice the error until my biling statement. I notified the merchant and the credit card company, Bar Clay 's, of the error. The merchant, XXXX XXXX, has absolutely refused to fix this problem. Barclays denied the disputed charges at first and claimed, Barclays, they never received proper documentation. I resubmitted all of the documents a second time on XX/XX/XXXX at approximately XXXX P.M CT. 

The documents were sent via fax machine while I was serving on XXXX XXXX in the XXXX XXXX. The location was XXXX XXXX, XXXX XXXX. I have receipts proving this. 


Thank you for your assistance with this matter. 


I am doing this from my while away from my computer and can not attach documentation. I will be able to retrieve my documents later. Thank you for understanding.

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 2019-08-10
Company: EQUIFAX, INC.
State: NY
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 have had issues over the last 3 months putting my Equifax credit report on freeze. I have easily been able to apply to freeze accounts with the other two main bureaus with ease, but my experience with Equifax has been miserable. I have tried multiple times to get a real person on the phone, but I am never able to. Through the website, they said they would mail me a pin code weeks ago, that I would need to verify my info, and I never received this in the mail. By attempting to freeze my credit, I am afraid I am now more at risk by having personal mailers not arrive to my apartment. Also, the main reason I am applying for a freeze in the first place is because my info was released in the Equifax data breach. You would figure they would help resolve the massive issues they helped cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: NV
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 in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

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