BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The returned declined decision stated serious delinquency and number of accounts delinquent to my knowledge I have none, I can prove I constantly monitor XXXX XXXX, that might not be the best source but I received no calls from collections and have none on my record. Im XXXX years old, have over a XXXX savings, small business owner, and have made over XXXX 5 years in a row and Im scored at XXXX????? I still have XXXX XXXX car loan on my transunion report I paid off in month ago and XXXX acknowledged payoff and my score is lower then transunion???? This is a joke I have a little brother that makes XXXX a year and has XXXX credit meanwhile I cant get a couch at XXXX XXXX, please review my account, if I have outstanding debt let me know I will pay on spot and move my XXXX XXXX score higher, I apologize for cursing but credit makes the world go around and Im getting XXXX by everyone, Ive paid multiple loans for large amounts, been renting for 3+ years at XXXX a month ( which I know isnt reported ) which should be, Ive paid {$2200.00} a month for almost for years and never late and I get refused for a XXXX side by side???? Please fix your system

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC 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 2017-12-06
Company: TD BANK US HOLDING COMPANY
State: MA
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 bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
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:
I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX {$240.00} 7 ) XXXX XXXX XXXX  {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX  {$11000.00} 12 ) XXXX XXXX XXXX 13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX 16 ) 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 2020-05-06
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a paid collections account with Plaza Services that was paid in full. I want it deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
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:
I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX  {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was offered to apply for a Kohls credit card to receive an additional 30 % off my purchase onXX/XX/XXXX. I was assured by the cashier ( XXXX XXXX ) that this would be a soft inquiry on my credit report. I even had her call the store Mgr. XXXX. XXXX to verify this fact. She concurred that it would be a soft inquiry. I was approved and found out later that it was HARD inquiry on my credit report, that would stay on it for 25 months! 

I have worked hard to build up my credit score and this misrepresentation is fraudulent and wrong. This kind of consequence affects peoples lives and its done for the sake of just signing people up for the store card, their bottom line? 

This occurred at the XXXX XXXX Kohls store at the XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1

681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) Th
e repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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:
I send Equifax a certified letter identifying in the letter that the accounts are not mine and to please send me documentation that these accounts are mine or take them of my credit report ASAP! I got a letter backing saying that they receive my certified letter but can not find a credit file that match the information.Bare in mind I send a copy of my drivers license proof of address Social Security card etc.I sent out another certified letter ASAP I received a next letter saying they receive my certified letter but cant find my credit file again now this is going on for approximately three months! I call the phone number on the letter and spoke to an agent who answer the phone and said please provide me with your information to find your credit report I provide the agent with my personal information which the agent alerted me that she found my report and proceed to ask me how can she help I told her I have been sending Equifax certified letters explaining that their are a few accounts on my report that are not mine, she ask whats the name of the account I gave them to her she then told me that they spoke to the creditors and the creditors said the accounts are mine I said can you please send a copy of every document that I sign showing these accounts are mine? ( She said no ) I said to her in that case Equifax need to take them of my credit file ASAP! She said they cant I would have to contact the creditors I ask did the creditors put those accounts on Equifax data base I then explain to her that I have to provide for my family and with these accounts that are not mine are making it harder for me to provide for my family.She said is nothing more she can do for me and the phone call ended. Equifax need to held accountable for negative information on my credit file they I love this to happen without proof or documentation. I need these false accounts to be removed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent dispute letters to Transunion via Certified mail on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to investigate accounts on the credit report. Transunion failed to meet the 30 day response time, nor did they provide any response as a result of that request. Followed up with a final certified letter on XX/XX/XXXX, but have yet to receive a response, or indication that they have removed the disputed items stemming from the XX/XX/XXXX investigation.

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 2020-10-26
Company: EQUIFAX, INC.
State: TX
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 have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I am enrolled in the Public Loan Forgiveness Program with XXXX XXXX. Two years ago they miscalculated the number of qualifying payments that I have made to date and thus are stating that I still need to complete over 5 years of monthly payments to qualify for loan forgiveness. They suddenly changed the time left until forgiveness one day out of the blue. I have called them over 10 times in the last 2 years requesting that they recount my loan payments since I should only owe 3 years until loan forgiveness. Every time I call they continue to say that a manual recount can take months but again it has been over 2 years now and it still hasn't been completed. I finally got them to mail me all of my payment information so I could confirm how many payments I have completed on my mine and again I owe only 3 years and not 5 years. I like 2 years is an incredibly long time to not recount my payments and correct my date of loan forgiveness. Any assistance that you may be able to offer would be appreciated. 

Thank you! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Financial institution XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX. They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and nasty they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future///// last message New message : This company has incorrect information on my credit that is majorly effecting my credit. The facts regarding the repossessed vehicle is completely wrong. I had XXXX-XXXX in fees from the repo and when I went to go pay the money to get my vehicle out and pay the fees ( in order to get vehicle out fees have to be paid ) and then they throw all that money towards my balance of my vehicle and they tack on the extra fees on my account for when I go to make a payment over XXXX they take the remaining and put it towards the fines that were already paid. They are saying my account is 90 days late with the credit Bureaus and it is majorly affecting my credit. The Repossession facts are wrong. My vehicle was not repod the dates they are saying. My vehicle was only 30 days passed so before they sent someone in the bright early in the morning to tow my vehicle away even when I had the money on site to Give. I would like this company to update all the correct information with the 3 credit Bureaus or remove anything negative off my report. I will be filing with all 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 2019-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Called me after XXXX XXXX on my company phone. 
Stated verbal " do not call '' lasts 7 days. 

Told them to just subpoena me at court and they stated they will continue to call. 

I want to never be called by these sharks ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I looked up my credit score on XXXX XXXX and on XXXX it says I have a SYNC/XXXX XXXX XXXX I had never applied too. And i think it might be lowering my credit score. Today is XX/XX/19

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 2018-09-04
Company: DISCOVER BANK
State: OK
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:
ON XX/XX/XXXX MY FRIEND AND I CALLED DISCOVER AT XXXX-XXXX-XXXX-XXXX. WE WERE TRANSFERED 3 TIMES, AND ON THE PHONE FOR OVER AN HOUR BEFORE WE FINALLY GOT SOMEONE WHO COULD HELP US. HER NAME WAS XXXX. SHE WAS EXTREMLY RUDE, AND VERY NASTY. I EXPLAINED THAT DUE TO MY HEALTH ISSUES I HAVE TO HAVE MY FRIEND ON WITH ME, BECAUSE I HAVE XXXX, AND CAN NOT ALWAYS REMEMBER EVERYTHING. WE THEN EXPLAINED THAT AFTER REVIEWING MY INFO I FOUND A CHARGE I DID NOT AUTHORIZE ON XX/XX/XXXX DONE BY XXXX  SALES FOR {$2600.00}. SHE THEN SAID SOME THINGS THAT IM SORRY BUT ARE NOT OK TO SAY TO ANYONE! SHE SAID WELL IF I HAVE XXXX THAN HOW WOULD I KNOW IF I MADE THE CHARGE. SHE THEN SAID THAT THIS IS PEOPLES PATTERN WHEN THEY DONT WANT TO PAY FOR A CHARGE! SHE MADE IT SEEM LIKE I WAS USING MY SICKNESS TO GET OUT OF PAYING FOR SOMETHING WHEN I ALREADY PAID IT OFF. SHE THEN SAID THE ONLY WAY SHE WOULD HELP ME IS IF I FILE A POLICE REPORT! I TRIED TO EXPLAIN THAT I AM IN MY XXXX AND SICK, AND MY HUSBAND IS IN HIS XXXX AND HAS XXXX. IM SORRY BUT THE WAY SHE TREATED ME IS NOT PROFESSIONAL AND I FEEL SOMETHING SHOULD BE DONE ABOUT IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX18 between the hours of XXXX some guy called my work and said to me Don't hang up! i said don't called me at Work..he insisted talk and I told him I can't talk to you. He keep talking .... And told me that if I didn't pay the will she and garnished all of my belongings and that it was a crime. I told him I can't talk on the phone. I had customers waiting forms to help them, here I'm tell this guy from XXXX XXXX XXXX  to STOP. So he said is there another number i said you have it. Don't call this number. I told him that I couldn't afford to pay ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX am trying to get out of a huge amount of debt without filing for bankruptcy. I have requested a cease and desist from constant calls and email 's from Capital One on two accounts that amount to {$1700.00} in debt. The accounts are near charge off standards at 120 days late. Therefore, I respectfully request any settlement offers to come to me through my email address, or by regular mail. I will do everything I can to settle my bills and avoid bankruptcy, but I will file bankruptcy if necessary.

Company response to consumer: Closed with explanation