BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
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:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2021-05-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am subitting this complaint because I was never aware of this balance or this collection until I requested a copy of my credit score and I contacted them. I called the number on the credit bureau and I inquired as to what this was about. Then that is when they told me it was some XXXX XXXX I do not recall or had knowledge of any balance owed to this company and they never tried to collect or contacted me. As I mentioned If I had not requested my credit report I would have not even found out. 

I am requesting for them to remove from my credit bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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 status incorrect

Complaint:
Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: PA
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/2019 Synchrony Bank pulled my XXXX XXXX Credit report for a Pay Pal credit card. I have sent numerous letters to the company right after I was notified via XXXX asking questions in regards to that inquiry. I have received response from the company several times, however nobody can seem to answer my questions as to why, who, how or for what reason my credit was pulled. its been now over 6 months and I still have no answers. with the last letter received earlier this month by a company rep named XXXX XXXX who told me they would like to resolve this issue, I have tried to call twice and left voicemail each time. I have not heard back yet and it has been a week now. They have been stonewalling my requests and are not forth coming whatsoever at this point. I have a screenshot of the credit inquiry from XXXX as proof as well as a copy of my XXXX report. I am annoyed at his moment with the lack of responsibility this company shows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After getting my annual credit reports I noticed a collection account that I knew nothing about so I sent a certified return receipt letter to Phoenix Financial Services asking for validation of an amount that they claim I owe them {$1200.00}. I received no communication from them but noticed that my credit files was marked with the statement : disputed by consumer, meets FCRA requirements. Are they not required to verify and validate a debt they claim I owe? I have no knowledge of this debt and do not feel I should have to pay them and would like for them to validate it or remove it from my credit files immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, Applied for help throught XXXX XXXX XXXX ( XXXX ) to negotiate a lower rate on mortgage paid approximately {$4500.00} total for the help. In XX/XX/XXXX was told could not do anything for us and to look at filing CH XXXX. I later found out XXXX was not licensed to do business in the state of MD. Had a previous mediation, had to borrow $ XXXX to keep from losing the house. Had a company write a complaint to CFPB, but it was never filed. I feel my wife and I were victims of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, 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:
I am an additional XXXX on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Capital One. I have been sent to many departments. I also have disputed with XXXX XXXX. XXXX XXXX said this is my debt. However, Capital One has no record of it when I call them. All I need is the correct debt collection contact so I can pay it, dispute it or otherwise. I am unable to do anything to repair the issue if the collection department does not have record of this debt. 

Can someone get me the correct account number and phone number for me to call? 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Self Financial Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a CD-secured loan account with Self Lender for 2 years. After 2 years ; Self guaranteed that when your loan is paid off after the chosen term, you can withdraw the money you borrowed, plus interest, from the CD. This loan was paid of XX/XX/2020. Early-Mid XXXX ; Self claims they mailed my funds via check to an old address on file. I updated my mailing address via my account portal as asked. Self stated they could not do a direct deposit which is one the option. Have reached out to them several times via phone and via email. Self promised my refund had been mailed. I emailed Self on XX/XX/XXXX stating I have not received my payment. XX/XX/XXXX, Self responded back that they see an address change on file but there was no communication to issue a refund and they apologized for the miscommunication with their representative. NOW they offered the Direct Deposit option. I was promised that the process would take 1-4 business day for me to receive my refund. It was been 7 days excluding the XXXX XXXX holiday. I have never been late on payment as SELF did auto draft to my checking account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on 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 2021-11-01
Company: LEXISNEXIS
State: TN
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 have sent 2 dispute letters over to Lexis Nexis to have them remove a bankruptcy from my report and they have not responded and have completely ignored my request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OH
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 & XXXX XXXX  HAVE BEEN DISCHARGED IN BANKRUPTCY AND NEED TO BE REMOVED 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 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report. On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the 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 non-monetary relief
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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:
Account from the company below show in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I denied having any of the above account. I asked for the reporting agency to provide proof on me owning any on the account mentioned on the credit report in the form of my official signature. 
If they can not provide such proof, they must remove those accounts from my credit report. 
Those fraudulent reports have cause 2 of my bank accounts to be closed. 
Again, I would like the credit report agency to provide me with proof those account belong to me. 
Meanwhile I have put a fraud Alert on my credit card.

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 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

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 2020-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my Capital One Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an occurring and frustrating situation, when you are being harassed mentally and emotionally by a debt that is not yours. After many failed attempts to remove this account, as promised by The FCRA, neither reporting agency has ever provided me with physical verification of the issue at hand.

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 2018-04-24
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe XXXX XXXX. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I  was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Ad Astra Recovery Services 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:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and ONEMAIN with no successful resolution. XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation