BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ended my XXXX XXXX account in early 2022. In XX/XX/2022 I received a collect notice from Receivable Performance Management. It stated that I owed XXXX XXXX {$260.00} and was now in collections. I had auto pay and did not owe any money when I ended my service after many years. I ported my number to another carrieXXXX. If money is owed, the phone numbers can not be ported until the balance is paid in full. Also, if I owed money, they would have taken it from my account as they were authorized to do with XXXX that was in effect. I asked XXXX XXXX why they didn't just take the money and they said because they closed my account. I asked why they were billing me for an account that was paid in full and closed? They could not explain it either. I did not receive an email stating that my bill was due, as they always do. Since I was applying for a mortgage, I agreed to pay the collection agency. They agreed to remove it from the credit report. I immediately paid on XX/XX/2022. Now they refuse to remove it and claim that they never remove collection notices from credit reports. Both XXXX XXXX and Receivables Performance Management have lied and deceived me. I think XXXX XXXX punished me with the collections action instead of emailing or taking the money after I refused to stay with them. R.P.M lied and deceived me to collect money that was never due.

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 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The 3 major credit agencies seem to go against the laws of the FCRA and the FTC, I have disputed these unauthorized inquiries for months and the 3 credit agencies all seem to report them back as verified. Verified by whom, until these 3 major agencies send me some type of physical documentation of these unauthorized inquiries then the inquires shall be removed/ blocked immediately. And these unauthorized inquires are 1 ) XXXX XXXX XXXX  ( XXXX ) 2 XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX XXXX XXXX ( XXXX ) 5 ) 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 2020-08-21
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have had a number messaging me and threatening to have me arrested for not making a payment through XXXX XXXX or through an XXXX card payment I cant get them to give tell how to pay this o er time with my debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: GA
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:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( XXXX, Experian, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Experian )

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 2018-06-25
Company: Experian Information Solutions 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 failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue.

After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that Mr. XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan Mr XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/XXXX Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - 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 2021-06-02
Company: EQUIFAX, INC.
State: GA
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 first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 first issue is my student loans were forgiven by the US Department of Education, and the credit bureaus are still reporting the accounts with a defaulted balance. I have submitted disputes with the letter showing the forgiveness, and they still will not delete the accounts. The second issue is when my loans were sold back to the US Department of education from XXXX XXXX ; the credit bureaus did not remove the XXXX XXXX accounts from my credit report, so the same accounts report twice. Over the past three years, I have written to them explaining this, and yet again, they refuse to update my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a dispute back on XX/XX/XXXX and in their paperwork it says in 10 days they'll provide a provisional credit while they're doing their investigation or they'll contact me I've had to call them several times I've explained to them that the reason my questionnaire on the transactions was a few days late was because I was involved in a natural disaster which was a fire here in California and my paperwork was at home and I was evacuated from my house and I was not able to send the paper on time and apparently that doesn't matter it's been XXXX  days since I filed the complaint I haven't heard anything from them every time I call they give me some XXXX  excuses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

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 2018-05-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello : I would like to remove my fraud alert and or consumer statement from my credit. 
my ID and social is attach. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Tried to deposit a foreign-bank issued Manager 's Check ( XXXX XXXX ) into our Wells Fargo checking account at our local Wells Fargo Bank branch. Their Foreign Exchange Collection Dept.  was not able to process it apparently because of a regulation by the XXXX XXXX XXXX XXXX XXXX. When we tried to retrieve the Check from our local branch, we were told that their Collections Dept. did not return the Check and was further informed that the Check is not negotiable anymore because it has been stamped by Wells Fargo I contacted the Collections Department to try to retrieve the Check from them, but was told that they actually returned the Check to the local branch. Confronted with this information, the local branch admitted that the Collections Dept.  returned the Check, but they can not locate it any more. In order for the XXXX XXXX  to put a Stop Payment on the Check and replace it, the purchaser of the Check has to sign a notarized Affidavit of Loss and purchase an Indemnity Bond in the amount of XXXX pesos. The problem is, my XXXX-year old Aunt who purchased the Check, lives in XXXX XXXX XXXX. She purchased the Check when she was visiting relatives in the XXXX. She needs to either go back in the XXXX to take care of the situation or perhaps, have someone with a Special Power of Attorney take the appropriate actions on her behalf. Nonetheless, any action will require her to have either the notarized Affidavit of Loss or Special Power of Attorney authenticated by the Secretary of State of XXXX XXXX and further authenticated by the XXXX Embassy, which is located in XXXX XXXX All these things have to be done within one-year from XX/XX/2018.

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 2021-06-02
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2021 It came to my attention that my Penn Credit Corporation a debt collector that I had never heard of, had added negative Items to my consumer reports. I was a little confused because I had never communicated with Penn Credit Corporation nor had I had done business with them. This is an attack on my right to Privacy as Penn Credit Corporation has my ( Non Public ) personal Information that I did not give to them nor did I give them permission to have. In addition they have committed Identity theft as they have used my ( Non public ) personal Information that they are wrongfully in possession of to access and place negative items on my consumer reports without my consent. This has harmed my reputation ( Violation of the FDCPA ) as defined by Congress in the FCRA and I demand that Penn Credit Corporation fix this immediately. I do not want to have to to sue Penn Credit Corporation in federal court but I will If we can not get this resolved in a timely matter. Penn Credit Corporation may call me to facilitate resolution and for no other purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Bread Financial Holdings, Inc.
State: OK
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 found out this week that XXXX  has been submitting my credit report information to Comenity Bank twice a year for no reason what so ever. Since XXXX  has done this, my credit limit has been lowered on two of Comenity Bank 's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX  and XXXX ( both are Comenity Bank Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what XXXX  had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, XXXX  did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I tried calling company and telling them I have no knowledge of this account also they have no signature or proof that I setup this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: NC
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 recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm disputing these XXXX unauthorized inquiries inwhich I did not authorize nor do I have any acknowledge of please remove these from my report in order to promote fairness. The inquires are, ( 1 ) XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) 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 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C XXXX XXXX XXXX XXXX XXXX  ( XXXX. XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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:
XXXXXXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - 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 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
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  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX The delinquency was not my doing.

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