BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
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: Information belongs to someone else

Complaint:
talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.

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 2020-11-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my 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 2021-07-17
Company: Eastern Account Systems of Connecticut, 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: Information belongs to someone else

Complaint:
talked to XXXX  rep from excutive response team XXXX on issue with being charged on acct that does not belong to me and had to pay XXXX to pay it off because it is reporting as collection on my credit report. informed if i pay it will show paid but will not be removed as collection. this acct number XXXX is not my acct and does not belong to me and was to be closed in XXXX of XXXX  as i spoke to XXXX reps multiple times on this. they forced me to pay the acct off due to defaming my character via credit reporting. the issue still persist and want corrtected and all credit reporting in negative manner removed immediately. this is a act of fraud and i was informed that info on this acct was in my name but at another address not my home address and under another telephone number that does not belong to me and paid by credit card that does not belong to me. need this resolved or litigation will follow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2014 with a balance of {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: MO
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX BANKDispute DEPT OF XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently, I was notified that my Equifax credit score dropped by 50 points. This was completely unexpected as the only new credit activity on my account is 1. ) I paid off an auto loan and 2. ) I was recently approved for a forbearance for my student loan. 

I called Equifax on the following dates to try and speak to an Equifax representative who I hoped would be able to tell me why my score suffered such a significant decrease. I made these calls on XX/XX/XXXX, XXXX and XXXX, XXXX at varying times of the day. Every time, after waiting inordinately long times on hold, I was connected to a representative who did not speak English well enough to answer my question. The only thing I was barely able to understand is that they said I would " have to speak to a credit specialist '' outside of the company to get an answer to my question of why my Equifax score dropped. This is absolutely absurd since it is Equifax who dropped my score and it is Equifax who creates that score in the first place. Not only this, but I was one of the 143 million Americans who was part of the Equifax hack, and I have not received a dime from these people. Their lack of customer service and lack of respect for the security of Americans ' private information is criminal. Equifax should be shut down. 

In my view, what would resolve this particular issue is that I want them to explain to me why my score dropped, that's it, plain and simple. That would resolve this particular dispute. Although in no way do I waive my right to pursue litigation against Equifax and/or its successors and assigns in connection with the XXXX hack, which again, I was part of. In addition, it should be criminal that their customer service representatives barely speak English. Credit is too important to be trusted to foreign nationals who have no business having access to the private credit information of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I believe TransUnionXXXX are colluding with XXXX XXXX. I filed a report with CFPB against XXXX XXXX in XX/XX/XXXX ( Complaint Number XXXX ). Since that filing TransUnion dropped my score 237 points. XXXX  has the same information and my score remains in the 600 range. Also TransUnion will not give me online access to my report or the ability to dispute it online which is a violation of the FCRA act. In addition they are allowing XXXX XXXX to reset the clock on a debt and report it as started in XX/XX/XXXX that was opened in XXXX and removed last year when I provided proof it should not be on my report. The other violation is with the other collection agency, XXXX XXXX XXXX. I have provided a statement from the XXXX XXXX XXXX stating I don't owe them any money and have contacted their tenant screening division with this documentation and they will not remove it from either reports. 

I have the same issue with XXXX which dropped my score 206 points and will not allow online access to my report nor the ability to dispute online. They are both doing what's in the best interest in the creditor and harming me the consumer. I am working hard to manage my credit and debt I don't feel I should pay the penalty because the bureaus are intimidated by creditors and collection agencies.

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 2020-07-27
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling my phone number over and over saying that there is a serious business matter i must attend to. 

XXXX - Diversified recovery buero

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
GM Financial has, for over a year, incorrectly reported my balance and continues to ignore my repeated requests to fix my account status with their company. I filed bankruptcy in XXXX of 2019, entered into a reaffirmation agreement in XXXX of 2019 ( attached ), and had the debts in my case XXXX in XXXX of 2019. I have made every payment on time since signing the reaffirmation agreement and have never once, before or after the agreement, been late or missed a payment. Yet when logging into my account, I still can not see my balance, the website shows my account in bankruptcy ( images attached ). My credit reports routinely have an incorrect balance owed because they don't update when I make my monthly payments. I have not received a single statement since entering into the reaffirmation agreement and they're not available online either. This results in an overstated amount owed on the loan on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Bread Financial Holdings, Inc.
State: MI
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 XXXX of XXXX I had locked my XXXX XXXX XXXX. In XXXX of XXXX they made an unauthorized charge to my card. I wrote a letter. In XXXX of XXXX they made another unauthorized charge. In XXXX they added interest so I wrote another letter. After that I called, the guy said he took care of it, so I closed my account. Now they keep adding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a money market/savings account with Capital One for more than 15 years. A few months ago they closed my account without informing me and moved my funds to a different savings account. It is my suspicion that when they did that, they mistyped my husband 's social security number because all of a sudden my account was locked. I had a significant amount of funds in there, and I called the bank several times. They told me the first time they could only talk to my husband. Luckily he had come home during the 45 minutes I had been on hold. They asked me to send a letter in stating his social security number. In my haste, I apparently forgot to date the letter. They never informed me of this until I called again a month later ( and was on hold for another 45 minutes ). At that point I asked to close the account. They told me they couldn't do that until I sent in another letter, which means that I have to be on hold for another 45 minutes. Until then, my money is unavailable to me. 

In the meantime, I received a letter stating that someone I never heard of has been removed from my account. As you can imagine, that made me panic- who was this person who once had access to my account? Clearly the company has made some major mistakes but yet I'm the one who can't access my money. 

I have sent yet another dated/signed letter over three weeks ago, and my account is still locked. I have no desire to spend another hour on the phone for them to tell me they can't do anything. Is this legal for them to keep more than {$5000.00} locked up when both I and my husband have verified our identities over the phone? Is it legal for them to move money from one account to another without telling us and then lock our account with no explanation? As I no longer want to have a savings account, I feel as though they are keeping my money locked up against my will

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
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:
XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).

They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.

This has caused undue financial burden and harm to my credit score and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Account Recovery Specialists, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT RECOVERY SPECIAL XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, KS XXXX The company above has 4 collection accounts listed on my credit. 
I contacted them yesterday at XXXX XXXX central time in an attempt to pay off all 4 of these collection accounts. 
When i called the guy went through the " This is an attempt to collect a debt '' asked where i work, where my wife works, what my number is, what my address is .... 
I proceeded to tell the person there are 4 accounts on my credit I would like to pay off. 
He refuses to let me pay them off, insists that I owe XXXX, that the bills are mine and my wife 's and insists I need to set up a payment plan to pay them all off I said to send me an itemized list of the other amounts that he claims I owe because I know nothing about them but i want to go ahead and pay off the ones that are showing on my credit. 
He tells me I need to pay them all, that they have sent bills and allegedly left messages on my phone and since none of the bills had been returned I owe them and must have received them or something. 
I tell him I have no idea what these bills he says i owe are, to send me a list, he then starts talking over me and keeps trying to force me into agreeing to do a payment plan, at which time I told him I'm not doing this and hung up on him. 
This guy wouldn't even let me pay the bills I know of, and refused to provide any proof of any other bills he claims I owe, and was also holding my credit ransom over my wife 's bills he claims she owes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The following accounts still appears on my Experian credit report, although they were supposed to be removed last month ( XX/XX/XXXX ) You have 27 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-03-05
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
On my reports there is a closed account with huge amount of missed payments. CITICARDS CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Bridgecrest Acceptance Corporation
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 status incorrect

Complaint:
Bridgecrest LLC is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from bridgecrest, I purchased it from XXXX XXXX which was then bought out by bridgecrest. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.

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 2018-07-02
Company: LDF Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$900.00} 5 months ago. I have made 10 biweekly payments of {$230.00}. {$2300.00} in payments on a {$900.00} loan. Never late, never short. I called to see why the loan wasnt done being paid off yet and they said I owed almost {$600.00} to close the loan. THIS IS CRIMINAL taking advantage of people in dire need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this was from a complaint filed on on XXXX and the companies response : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We acknowledge receipt of this complaint. We have reviewed the file and the account was placed with our office as part of a prelegal portfolio. This means that the account meets the criteria or our client to review the file to send it to a law firm once it has been recalled from us unresolved. We have not made any misrepresentation and there has been no bona fide threat of legal action by our company. The account in question was identified on our system as an account originating with XXXX XXXX XXXX  on XX/XX/XXXX. The account was subsequently purchased by XXXX XXXX XXXX. We have forwarded a copy of this complaint to our client and we have requested validation of the debt from them. Once we receive the validation from them that is required we will provide it to you. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Capital one auto finacing XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation