BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-30
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is threatening to file a collection on my credit report for a credit card debt that is not mine.

I have never had a credit card with XXXX  in my life. I am a military veteran and have only ever banked with usaa. This company is comitting fraud and abusing it's authority by threatening my credit rating.

1. I live in Arizona and the state has a 6 year statue of limitations on debts.

2. I have never had a XXXX credit card or any credit product from them.

3. This debt is not mine. Never have I had a credit card from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company has inquiries on my credit report for services that I did not request of them. 
I have never heard of this credit union before nor have I ever gave them permission to pull my credit.

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 2020-05-24
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: Account status incorrect

Complaint:
XXXX XXXX student loan company reported my account to the credit bureaus ( transunion, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.

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 2020-12-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires on my Equifax credit report that I don't recognize nor did I authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
I'm filling a complaint for not upholding the law for not responding to my 30 day to respond letter due to identity fraud with 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 2020-07-14
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 status incorrect

Complaint:
I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;

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 2020-11-18
Company: DISCOVER BANK
State: TX
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:
XXXX unlawfully charged my Discover card for {$75.00}. When I contacted Discover about this issue and to not honor XXXXXXXX XXXX  said fee, I was ignored and the said amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2019-07-03
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I applied for a XXXX XXXX card. The company says the card is my father 's.

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 2018-07-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from the company ( commonwealth financial systems ) on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Sent company a letter requesting validation of original debt and got no reply. When checking my credit score, I noticed the company reported the debt so I called to ask why it was reported though I never received any followup information. Was told the letter was sent but it was most likely the same as original letter ( again never received any followup, letter or otherwise ). Now I am being told that an itemized list will be sent however the debt will still be on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: NV
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:
My husband and I are trying to purchase a home and initially we did dispute a few items listed on our reports. However we reached a point that we agreed with the findings and asked that the bureaus remove the dispute verbiage on all of the accounts so that we could move forward making our financial move. The only bureau that continues to report that statement is Experian. I have sent several correspondence requesting they remove it and instead of removing it I received noticed that the dispute is now in process. I wasn't disputing anything I was asking for that to stop and be removed.

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 2018-03-05
Company: STERLING JEWELERS, INC.
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:
XX/XX/XXXX I had a chance to review my XXXX credit report via XXXX XXXX.On it I noticed an error. I saw that I had a Jared account on my credit report in which I do but it is not the right account infromation that is on my actually Jareds bill. I disputed several times by certified mail due to this incident and sent it to XXXX. XXXX says its right then says that Jareds has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called XXXX and Jared to correct the account information. My Jareds account number is XXXX. Yet the XXXX account still remains.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : 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 2020-07-14
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-05-18
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX keeps calling to collect about {$260.00} for service on a XXXX tablet. First of all, that tablet in question has been out of service for about 4 years. I called to remove to the account, they claimed that I could get charge for early termination. I always paid my bill from a text message and wasnt aware of still getting charge since that time for the tablet. I called to suspend my service ( 3 mobile phones ) in mid XX/XX/2020, they told me that once I moved to a new carrier, everything would taken care of automatically. Now they stated theyre unable to remove the charge for that XXXX tablet when they also confirm that they did see any data was used on it for several years. They also claimed that I would get charge an extra {$5.00} if they mail the bill to me. The new bill now is {$280.00}. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: RevMD Partners, LLC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) charged me for services connected to the care of my minor child. The charges were incurred due to inadequacies on the part of XXXX. Specifically, my child had XXXX, and the charges for the XXXX  are a " global rate '' to include a required XXXX follow up office visit. These rates are contracted rates between the service provider and the insurance carrier, but there are timeframes in which the service provider is to arrange the follow up visit. XXXX  intentionally pushed our follow up appointment outside of the scope of that timeframe, citing that due to the XXXX XXXX holiday, various doctors were going to be out of the office, and that they needed to push us to their next available appointment time. I explicitly discussed with them at the time the appointment was set, that I would accept the later appointment time, with the understanding that we would not be pursued for any financial difference beyond our obligations connected to the XXXXXXXX XXXX global rate. The appointment occurred, we carried on as normal, and for nearly two years since it has been a battle over a lousy co-pay for that follow-up office visit. They were paid for the visit by the insurance outside the global rate, however they are still trying to collect the copay from me despite that I explicitly addressed this issue before it even occurred. Without substantiating my dispute claims, they then turned the account over to collection agency " Rev MD Partners '' who has contacted me on repeat occasions " in attempt to collect the debt ''. I formally disputed the debt with them in writing on XX/XX/XXXX and have not been provided any further substantiation of the debt, yet they have reached out to me by mail and by phone with continued efforts to collect. Each time I have addressed the situation, and each time I am met with assurances that they do show the balance in their system to be disputed and that no further collection action will be taken - but that ultimately results in a subsequent phone call, or letter, to which I proactively call them to discuss said letter. The debt has never been substantiated subject to the nature of my dispute. By REV MD 's own admission ( recorded phone call ), XXXX has not responded to their efforts to contact THEM related to my dispute. Under the FTC guidelines and Fair Debt Collection Practices Act, no further collections contacts or actions can occur until this happens. I am unfamiliar if there is a timeframe at which point a dispute must be validated for lack of response from the creditor - but I do know that it is inappropriate for me to have to keep investing hours and hours out of my own day ( during my working hours while they're open ), to tend to this ongoing unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU COMMONWEALTH OR THE COMPANY XXXX OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: KEYCORP
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in process of a refinance with my current first mortgage holder. I have a second mortgage with Keybank, that I took out last year. At the time this was labeled what they called a " high loan to value '' home equity loan ( closed ended loan ). We had an appraisal and the LTV was about 99 %. Fast forward to today, I have a closing scheduled to refinance my primary mortgage and lower the rate by 1.125 %, causing a $ XXXX/m savings, at the SAME term I have left XXXX payments, and KeyBank has DENIED the subordination, causing me to not be able to close. Keybank is stating they will not allow TLTV to be over 90 %. My issue is that they put me in this position and now will not " allow '' me to save money with my current lender. Nothing has changed since 1 year ago, in fact my credit and income is better, and value has only increased. I've never missed a payment and consistently pay MORE than the minimum. Refinancing will allow me to have even more funds to pay this loan off. It is not a line and there is no risk of additional exposure. 

I need to understand the reasoning here, and when I called I was told I could not talk to the decision maker and basically have no options to dispute this. I need to know how they were ok putting me here 1 year ago, and now are not ok with the position they put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for 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 2021-01-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Comenity Bank is in violation of multiple federally protected consumer rights. 
company has damaged my credit report and reputation. 
company has shared private consumer information with a 3rd party without written consent or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were consolidated in XX/XX/XXXX under " Income Contingent Repayment '' with XXXX XXXX XXXX which has since dissolved. I paid my ~ {$540.00} dollar payments on time, religiously, during the time in which they serviced my loans, but Fed Loans for some reason has all of those payments listed as under " Extended Graduated Repayment '' and isn't counting them towards PSLF forgiveness which puts me behind by at least 14 months. The extended repayment plan had payments of {$2000.00} per month and I very obviously was not on that payment plan. I've attached the confirmation of my consolidation and application for ICR as well as the payment grid for each plan. If you look at my monthly payment history, it's very obvious at $ XXXX a month, I was NOT on the Extended Graduated Repayment Plan. 

Additionally, they still have yet to count payment for XXXX due to " no bill '' despite the fact that FedLoan themselves have electronic billing statements for those months, which I have enclosed. They are also not counting XXXX payments due to no bill, but I was billed and paid those months. This was when XXXX XXXX XXXX sold my loans to XXXX XXXX, I was not in forbearance nor did I voluntarily switch companies. 

I have contacted Fed Loans multiple times, attached the documents with proof, including their own electronic bills, and have had no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year, I sent the credit bureaus dispute letters for this company because the debt is not mine and they did not respond to the dispute with anything other than a payment plan, but yet they filed court orders against me and sent somebody to my house to deliver court documents. How is it fair to sue me for an account that is not mine and they had no documentation to prove it was mine. They failed to verify or validate this debt.

Company response to consumer: Closed with explanation