BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$160.00} -This is not 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 2019-08-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midlan founding is harrasing. Me whit lawyer calls and whit a falls impersonation of a lawyer . I also don’t ever open this account was a fraud open back in 2015 by some one else and damaged my credit was reported on 2015 as a fraud by my local law enforcement RD#XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Yes i received a letter today from Navient that my account is under review for litigation for a balance of XXXX and I have 15 days from the date of the letter to respond. My mother and I took the private loan out in XXXX XXXX when it was sallie Mae when I was attending college in Illinois. I have made payments throughout the years when Navient had a “program” called interest only payments where Navient lowered my payments to what I can afford. Then as of XXXX  XXXX Navient says they no longer have the program and can not help me or my mother and pay now or else. I was paying XXXX  per month now this year my payments jumped to XXXX  per month due to “interest.” When I ask for documentation for the program no longer existing or other program options or even loan term agreements they refused to send documents to me via mail. They continue harassing my mother and with threatening calls as well. I want to this to end immediately and to come to a agreement where I can afford my payments based on my income. Thank you for your time and patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-02-23
Company: DISCOVER BANK
State: KS
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 seen inquiries from companies that I dont know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My complaint pertains to certain and possibly discriminating business practices associated with the TRANSUNION BUREAU AND XXXX XXXX. 

The problem for me and possibly millions of other people is that the TRANSUNION CREDIT REPORTING BUREAU is using a hamstrung tactics to force a costly use of their credit monitoring service, which sells at $ XXXX  monthly subscription. 

The company deliberately provides inaccurate low credit scores freely through third party marketing portals, to force a consumer 's costly subscription to their database. As was in my case, getting a very low Transunion credit score from XXXX, led me to make $ XXXX  monthly subscription to check on the accuracy of my credit score. 

With the monthly subscription, I was then able to dispute the inaccuracies which appeared deliberately held unto by Transunion, because those records were not found on my XXXX AND XXXX REPORTS. I then was able to raise my score from around XXXX to XXXX, between XX/XX/XXXX to XX/XX/XXXX. But immediately following my cancellation of the monthly subscription a few months ago, my Transunion credit score immediately dropped from XXXX to XXXX, as recently discovered from the XXXX XXXX  decline letter following my application for credit. 

The XXXX XXXX  appears to mainly base credit offer decisions on Transunion reporting, than XXXX and XXXX, considering that the bureau appears schemed to a low consumer credit scores for possibly certain demographics of people. 

The XXXX XXXX  is presently the largest holder and issuer of the majority of consumer credit cards in America, for most private label brands. The bank appears schemed towards a high interest credit market, using the misreporting of low credit scoring from Transunion. 

I presently average a XXXX credit score at the XXXX and XXXX database but find it difficult to get a credit approval because of the Transunion reporting low score. It's crazy and hurtful that this company is deliberately holding and stacking incorrect, inaccurate and derogatory information to lower people 's credit scoring, for higher interest rates.

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 2020-10-24
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THESE DEROGATORY ACCOUNTS AND INQUIRIES HAS TAKEN A TOLL ON MY CREDIT FOR THE WORSE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. THEY DO NOT BELONG TO ME AND WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-08
Company: EQUIFAX, INC.
State: MI
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:
XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX  XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX/XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX/XXXX  several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX-XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXXXXXXXXXX  several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

Equifax credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Equifax. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified Equifax. 

XXXX XXXX, XXXX  XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Dates-XX/XX/XXXX, XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.

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 2020-11-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke to a customer service representative today regarding my XXXX card, XXXX XXXX card, XXXX card and my wayfair account. I requested the special payment program as explained to my husband per a recent phone call. I was XXXX  over the past 45 days after I contracted XXXX in XXXX 2020. My husband attempted to contact Comenity Bank on several occasions during my illness to make a payment on the account or to discuss the account and options that might be available. I understand my husband is not on my accounts, however, he attempted to explain the situation and only asked that the customer service representative document the phone, which they did not. Comenity bank has since reported the delinquencies to the credit bureaus prior to me being able to contact them directly. I am requesting that Comenity Bank please remove the 30-60 day delinquencies that are currently being reported in good faith. While I understand this is common business practice, I also understand the current state of the pandemic and that many individuals, like myself, will be impacted by the late payments and my future ability to obtain credit. XXXX XXXX, the holder of my other credit accounts, was beyond compassionate and immediately removed any delinquencies from my credit file as well as any late fees associated with these accounts. I am asking for your compassion to do the same

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: United PanAm Financial Corp.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX. I put a {$1500.00} down payment on this vehicle The total price of this vehicle was {$6000.00}. I was financed through a third party financing company named United Auto Credit at a rate of 21 %. United Auto Credit address is XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have been trying to get my license plates for this vehicle through the local DMV but was told twice now that they ( DMV ) has not received the title from the car lot nor the finance company. The DMV has given me two 60 day temporary tags but can not issue anymore without the title or necessary paperwork. So far I've paid nearly {$4000.00} into a vehicle that I can not legally drive or even obtain the title for. Obviously, I can not return the vehicle without damaging my credit. I have lodged a complaint through the DMV, the XXXX, the FTC, and now the CFPB. I've also spent over a {$1000.00} on general maintenance and other repairs on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: MOHELA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ORG GC GP Buyer, LLC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Starting XX/XX/2018, this company has started harrassing me at work. They are calling my employer phone number and could possibly cause me to lose my job! I called and told her to remove my name and stop the work calls IMMEDIATELY! She told me she would do that. 

XXXX XXXX is the company. 
Agent identified herself as XXXX XXXX ( sp? ) phone number XXXX She stated this is regarding my department of education student loans. I am currently in a deferment period with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: MS
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 have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

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 2020-11-07
Company: Data-Central, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Central Billing put {$960.00} on my credit report. I was unaware of what this could be so I called. A manager informed me that I purchased a magazine prescription in 2016. I assured him that I did not. He verified my name and CURRENT address which was correct. He also informed of the address and phone number used when signing up with this membership and that information was not nor has ever been linked to me. I explained the information that was used to sign up for this membership clearly is not my information.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out back in XXXX that a car was brought in my name by a family member. They literally filled out an application online and brought the car online through XXXX and had it delivered to them without my knowledge, this happen in XX/XX/XXXX. I found out in XX/XX/XXXX and called Bridgecrest and told them where to pick the car up at. I explained that a family member that was living with me brought the car online in my name without my knowledge and had stolen my driver license to commit the fraud. The car registration was never paid either since only I could go motor vehicle. The account is still showing on my credit and I want it removed since the car loan was never opened by me, it is a fraud account opened online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there was an unauthorized withdrawl from my account in the amount of XXXX. I asked about this and B of A said that it was taken from an ATM in XXXX county where I have never been. I had my card at all times. They denied me and required a write a new letter in order to reopen the investigation. I wrote the new letter and faxed it twice. They have verified receipt, but nothing has been remedied. 

Then on XX/XX/2020, i went to the local ATM and tried to withdraw XXXX. The process went through but no money was released. I called the number on the ATM and they aknowledged that the ATM was out of order and to contact my bank. I contacted B of A and they said they would fix it but still nothing has been done. 

Now I am out XXXX Please help.

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 monetary relief
Consumer complaint received 2020-12-08
Company: CORELOGIC 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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