BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
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:
This is XXXX XXXX and I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and infromation that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$290.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been 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 2023-07-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed this several times. 
I've been living in XXXX  for the last year and before that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: United Student Loan Assistance Center
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2019 I got a call from United Student Loan Assistance Center. I thought they were a legitimate 3rd party vendor to refinance my student loan. On XX/XX/XXXX19 they took out a payment of {$190.00} ( I WANT THIS MONEY BACK ). The fake contract said I was supposed to pay {$190.00} for 3 months. During this 3 month they were supposed to call XXXX XXXX XXXX and place a forbearance on my account. They called XXXX XXXX XXXX by impersonating me. I know that because a representative from XXXX  XXXX XXXX told me that ( I ) placed a call on XX/XX/XXXX19 ( I NEVER CALLED ). I also have this on recording. So, during these 3 months of paying {$190.00} they were supposed to be getting me refinanced with a new company. I verified with XXXX XXXX XXXX that from United Student Loan Assistance Center is not a legitimate 3rd party vendor ( when they told me this they did not hesitate at all ). A representative from XXXX   XXXX XXXX told me that there are only very very few approved by the federal government themselves 3rd party vendors that can help people with student loans. United Student Loan Assistance Center tried to take out XXXX onXX/XX/XXXX19, but I cancelled my credit card, so they could not take my money. A   representative from XXXX XXXX XXXX also told me that after I would have got my fake bill from my new fake lender that every single dollar I would have paid would not have gone to my loan at all. What would of happen is United Student Loan Assistance Center would have pocketed all my money and XXXX  XXXX XXXX would have sent me to debt collection. So not only would I have lost a ton of money, but my credit would have been ruined and if I didnt make payment to XXXX XXXX XXXX I could have faced jail time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: U.S. BANCORP
State: PA
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:
I was on a business trip in XXXX, my co workers and I want to a bar/restraint. I tried to pay for the bill with my credit card but it was declined because I needed to enter in a PIN. I had no idea that my card had a PIN so I was not able to enter it. My coworker then end up paying for the bill. When I received my last credit card bill the card from the bar/restaurant in XXXX was on the bill. I called my credit card company to dispute this and they rejected my claim. 

I was told at the bar/restaurant that my card was declined and that it would not be charged. The credit card company told me to work it out with the bar/restaurant. This happened in XXXX, the people at the bar/restaurant barley knew how to speak English, and I do not even remember the name of the restaurant.

In good faith and to keep my credit score in tack I have since paid for this expense.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good Day, XXXX and Transunion has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX Balance {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - XXXX and Transunion assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give XXXX permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. XXXX and Transunion was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - XXXX and Transunion assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX   Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I mailed to have this fraud alert removed off of my credit report and it is still not removed Remove the fraud alert on my credit report. I have attached my license for identity Remove this statement asap " XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX XXXX XXXX XXXX  XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX XXXX purchase loan. After I applied online, I was immediately told I was denied without any explanation. I have called, and sent dozens of emails with no response whatsoever. After reading the guidelines on the Credit Union website I am aware I am qualified for this purchase. So I believe it is the banks responsibility to contact me and discuss why I would be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
Misuse of my credit report. 
15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-03-24
Company: Credit Service, Inc
State: OK
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:
On XX/XX/2016 I went to court and the judge only gave XXXX XXXX XXXX possession only and XXXX   for rents. They placed on my credit report that I owed {$1900.00} which is not correct. The judge only gave them possession only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I removed their authorization to call me FOUR months ago! I have repeatedly told them NUMEROUS times that they have NO authorization to call me or ANY number associated with me. They are calling daily FOUR to FIVE times a day. In addition to this XXXX credit card account, I contacted synchrony and digitally told them they had NO authorization to call me on ANY account and to stop all calls back in XXXX. They had stopped for a bit but started again. I have had at least 120 calls since mid XXXX. I now will not be satisfied with anything less than {$1500.00} for EACH call because they are robocalls and they are leaving robocall messages on my phone. They have even closed my account even though I paid them {$220.00} in the last 30 days.

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 2019-03-01
Company: Experian Information Solutions Inc.
State: OK
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:
I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.

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 2019-03-24
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the original creditor the full amount of the debt

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 2018-04-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I was told that the process of applying for mortgage would not impact my credit score adversely. My FICO score was XXXX ( Excellent ) after over 8 years of hard work and discipline. I started the process of buying a home only after I had achieved FICO score of XXXX ( Excellent ). 

Everything has gone smooth and the closing is on XX/XX/2019 and to my surprise I find that my FICO score has been substantially and negatively affected. It has fallen by XXXX points ONLY due to " too many inquiries ''. All of these are directly related to seeking a mortgage to buy the home chosen. 

Something with wrong in terms of what we the people are led to believe and what actually happens. And then " people '' have no effective means to address the mischief by banks and credit reporting agencies that collude to indulge in legalized extortion. 

Please help directly or indirectly by pointing me to some direct & effective actions that I can take.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # 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 2018-04-27
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Originally been disputing this debt for XXXX with XXXX since XX/XX/XXXX. I contacted XXXX that the account is a fraudulent account and it is not mine. XXXX added the collection that was previously on my report updated as a NEW account and my credit score dropped 38 points. I contacted a XXXX and was told XXXX sent the collection to Aargon Collection Agency ; which they noted and did not contact me a request for me to verify the debt. This collection was filed on the FTC report and which was faxed to XXXX thats when the turned over to the collection agency after I have disputed the account which is a XX/XX/XXXXaccount

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 2019-03-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a first year XXXX XXXX with my loans serviced by XXXX XXXX. When I graduated medical school in XXXX, I began making payments towards my loans on the REPAYE ( income based repayment program ) through XXXX XXXX servicing. My loans were transferred to XXXX XXXX at the end of XXXX because I applied for Public Service Loan Forgiveness which is run by XXXX. During this transition, my loans were placed in administrative forebarance by XXXX without contacting me. I called the company to clarify the reason for this and the customer service rep informed me that this was a necessary part of the transition and that I should wait for my monthly payment to be posted to my account. At the end of my admin forbearance, I was surprised to find that the outstanding interest of my loan ( {$2800.00} ) was capitalized. From my understanding, interest should not capitalize after administrative forbearance, especially since I did not consent to this. I again called XXXX to gain clarity and/or reverse the capitalization. I was told by a customer service rep that this interest was incorrectly capitalized and that she would be submitting a request for review - she mentioned this process may take up to 90 days for resolution. I received the following email message stating this : XX/XX/XXXX : " An administrative forbearance was applied to your loans and does not accrue interest during the period of XX/XX/XXXX to XX/XX/XXXX. '' I waited for 3 months for this to be resolved, trusting that it would happen based on my earlier conversation. In XXXX, I called XXXX to get an update and was promptly told that no such request was filed and that, in fact, that capitalized interest would not be reversed. I was told the law was " constantly changing '' regarding these things and also advised that I should not care about my interest being capitalized because " it wont matter with PSLF. '' I found this to be a financially irresponsible response to my concerns. 

Overall, I'm disappointed with the knowledge of the customer service representatives and XXXX.

Company response to consumer: Closed with non-monetary relief