BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT

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 2018-08-01
Company: DISCOVER BANK
State: NY
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 6 hard inquiries with XXXX  and 4 hard inquiries with XXXX I want deleted because I have no knowledge of my personal information being use to obtain to be use to collect anything on my behalf. I have made many disputes to solve this matter that continues to stay on my credit report an affect my ability to use my own credit. I have lost my personal credit card Sociel security card New York State identification card along with other personal papers work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020

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 2018-08-01
Company: EQUIFAX, INC.
State: FL
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:
Once again, as XX/XX/2018, Equifax sends me a confirmation number saying that I can view my report as well as the results of an investigation they completed, ONCE again, it tells me that My information doesn't match their records. 

Once again, this needs to be fixed or I will take them to court just so I can get access to my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
around XX/XX/2019 i had fees waived an because of the fees my credit limit went down from {$4400.00} to {$3000.00} an once the fees was waived my limit didnt go back to my original limit.i yall to them on XX/XX/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 2020-06-05
Company: OLIPHANT FINANCIAL, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me about an account in a debt management program. I have given them the information numerous times and they continue to call and tell me that they can't find it. I have asked them to stop calling me repeatedly and threatening me with ruining my credit. I started the debt management program to prevent me from this happening and it continues. The lady that called today said I will continue to call me until I give her the information. I didn't have the information with me at work and explained I have given Oliphant financial this information at least 5 times. The XXXX credit card is getting paid directly by XXXX  through the program. They should have this information and then threatened to file a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: DISCOVER BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I TOOK OUT A CREDIT CARD WITH DISCOVER IN WHICH THEY STATED THAT THEY WOULD LOWER THE INTEREST RATE AFTER A YEAR AND FRANKLY ARE LYING TO THE CUSTOMERS AND THEN THEY GIVE YOU A SHORT PERIOD OF TIME WITH A LOW INTEREST RATE AND THEN IMMEDIATELY GO STRAIGHT TO THE HIGHEST INTEREST RATE THAT THEY CAN CHARGE.

I RECEIVED A XXXX XXXX CREDIT CARD WHICH THEY ADVERTISED A 0 % INTEREST RATE AND THEN WHAT THEY DO NOT TELL YOU IS THAT YOU CAN NOT TRANSFER FUNDS WITH THAT GOOD INTEREST RATE. AT LEAST THATS WHAT I WAS TOLD TODAY. A WEEK AGO, IT WAS A DIFFERENT STORY.

TRUMP HAS GIVEN THESE CREDIT CARD COMPANIES FULL REIGN AND WE ARE SICK OF THEM ADVERTISING THINGS THAT ARE FRANKLY FALSE ADVERTISING AND LYING TO T HE CONSUMER. THIS NEEDS TO BE INVESTIGATED. THE INTEREST RATE AT DISCOVER IS CLOSE TO {$90.00} PER MONTH AND I PAY WAY MORE EVERY MONTH AND THEY JUST KEEPING RAISING THE INTEREST RATE, WHY, BECAUSE TRUMP SAID THEY COULD AND SO HELP ME GOD COME XX/XX/XXXXTHE REPUBLICANS ARE OUT AND TRUMP WILL BE GONE. I AM DONE WITH THIS FALSE ADVERTISING AND THE ALL CORPORATIONS ARE DOING IT AND WE ARE XXXX XXXX  SICK OF IT. I'M PUTTING THIS INFORMATION OUT ON XXXX   AND XXXX BECAUSE THESE CREDIT CARD COMPANIES ARE OUT OF CONTROL AND NEED TO STOPPED.

I AM SICK OF CORPORATIONS LYING BECAUSE THE PRESIDENT DOES EVERY XXXX DAY. HE DOESN'T KNOW HOW TO TELL THE TRUTH AND ITS DAMAGED THE PEOPLE IN THIS COUNTRY AND HE WILL GO BY IMPEACHMENT OR BY CRIMINAL ACTIONS OF HIS OWN DOING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap 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 explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please remove the following accounts, they don't belong to me..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: IL
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:
I have the Citi Double Cash Card. As I have redeemed around {$2300.00} in redemptions, I have been redeeming it as " statement credits ''. Since these paid down my balance, I felt these were payments, which payments earn 1 % rewards. When I redeemed points yesterday, there was a message that said the redemption doesn't satisfy the minimum payment required, which prompted me to start to question if they were trying to exclude customers from getting points. I called and sure enough if you redeem points to pay down your balance they don't give the 1 % credit. This is absurd in my mind as I could easily have redeemed for the money to my checking account and then paid down the bill from my checking in which case it would have counted. In fact, I would think this would be more work on Citi 's part and that they would prefer you redeem as a statement credit rather then them having to ACH to your account and then you ACH back for a payment to be able to get your 1 %. I talked to uncaring reps who said it isn't a bank error. Giving me the {$23.00} wouldn't have put me ahead at all, it would have just made me whole had I done the process the way I should have had I been aware I wasn't getting these points. One did give me a {$10.00} goodwill gesture, but I am still out {$13.00}, not to mention other customers who are mislead by this who are also out. They said it is all covered in their rules. I went to their site where they are promoting customers to apply and there is a section that says " What Earns Cash Back : You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest or returned items. '' I attached a screenshot of this to ensure they are aware what I have for my proof. It doesn't say anything about reward points being used as a statement credit not earning cash. Seems deceptive to me and all citi cardholders should be reimbursed that have been deceived by this.

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 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Sent XXXX and XXXX documents from XXXX XXXX  and court house that bankruptcy was removed from their file but they refuse to remove it. They both sent me the same letter stating that information was verified though XXXX XXXX when I sent them the documents that XXXX XXXX had taken it off my file. I have called them both several times to resolve this to no avail.

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 2021-10-09
Company: FC HoldCo LLC
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2018-06-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from Mitchell Bluhm and associates regarding an old medical debt. Three dates of service, however I applied for financial assistance through the hospital and believe that the bills had been waived. 

These people called me, claiming to be a law firm. They are not a law firm, they are bill collectors. The debt has been sold three times and I haven't heard anything about this for a long time until today. 

The person told me I was " not yet '' named in a lawsuit, and if I paid them they wouldn't sue me. I asked if the number she had called from was her call back number, and she said yes. However, I looked up the number and it is VOIP. The number came up as in my area ( XXXX ), but this company is located either in XXXX or XXXX. They have called me from a second number that is also a VOIP. 

I told them I would reach out to the creditor. Then, later I called back to request their mailing address so that I could send a debt verification letter. The woman on the line was hesitant to give me the address, but the address she gave me is a P.O. Box located in XXXX, XXXX. 

They are harassing me and making false statements, threatening legal action if I don't pay now etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

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 2020-06-05
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX  XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-03-30
Company: Vermont Student Assistance Corporation
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I'd like to bring to your attention.- the equivalent of pay day loans. The Vermont Student Assistance Corp has zero moral compass. They are greed driven and have no true interest in helping students with their education. I am the parent of a student that attended XXXX XXXX out of state ) I was forced/extorted in to co-signing a loan in 2008 so my son could continue his studies. The Original loan Amount {$4900.00} - they skim off the top $ XXXX leaving {$4200.00} for the student. As the cosigner i have been making payments for years. Currently as of XXXX statement, I have paid a total of {$4200.00} to VSAC ... .. and the outstanding balance is still @ {$3500.00}. If i were able to pay this amount today- I will have paid @ {$7700.00}. to pay back a net loan of {$4200.00}. So the criminal XXXX will profit {$750.00} + {$3400.00} = {$4200.00} on a {$4200.00} loan. This is beyond criminal maybe you can address this. 
I would love to hear back from your office on any action taken. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife was contacted by XXXX XXXX XXXX XXXX   ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX  that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX  Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX  '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX  back to give them the good news and let them know that a quick call of the Pennsylvania XXXX  Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: MS
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:
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Equifax and XXXX. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Nicholas Financial Inc.
State: GA
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:
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company Nicolas Financial to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: IL
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:
On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.

Company response to consumer: Closed with explanation