BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: WI
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, TransUnion and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for TransUnion, XXXX, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.

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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days 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 explanation
Consumer complaint received 2022-03-09
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promo offer from PNC, my personal bank, offering 15 months @ zero APR with a 3 % or {$5.00} fee, whichever is greater on balance transfers. Ill note this bank has been after me diligently to secure a card with them for the past year. Upon completing the application process with a work from home individual, & Ill note here I allege he was drinking as I could hear him drinking & the slurring was getting worse as the call proceeded. He & I worked out the approximate fee for the {$3800.00} I was going to transfer from my XXXX XXXX account. This is a classic bait & switch tactic, as I could have elected to use any of my other two bank cards to make the balance transfer & not had my credit score impacted. Im very XXXX off & Im really interested in knowing how your agency is going to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-06-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company keeps trying to contact me via email stating I lived at their property which I have not nor never applied to live there. I have explained this numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
A debt buyer company, XXXX XXXX, bought an account from XXXX Bank, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is one bankruptcy on my report that is incorrect please remove. Thanks

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 2020-07-09
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
They charged XXXX $ attorney fees on a XXXX $ loan i got in XXXX and they still don't want to give a option on my mortgage that had a sale date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: MORTGAGE LENDERS OF AMERICA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19 I received via email the Pre-Worksheet Doc from Mortgage Lenders of America and the sheet was dated XX/XX/19 and stated the Mortgage interest rate of 4.1 %. I emailed that I wanted to confirm this rate did not include points and was assured that it was not based on points. Then, when on the same day, I said I wanted to proceed with the Mortgage, all of a sudden, the lender stated that the real rate is 4.25 %! Even though the form was dated on XX/XX/19, she said it had been based on a quote from XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
In XXXX of 2021, I made a purchase from XXXXXXXX XXXX XXXX XXXX using my DISCOVER Card. One item from that purchase was a Water Pump for my car. I received the Pump and had it installed. 

During a routine visit to my mechanic in XXXX, he mentioned that my Water Pump was leaking. I was shocked because this was the new item I had installed. It failed after only a few months. On top of that, installing a Water Pump is an EXPENSIVE undertaking. 

I contacted XXXX '' XXXX and explained the issue AND OFFERED TO BUY A NEW WATER PUMP, HAVE IT INSTALLED, AND RETURN THE DEFECTIVE ONE. 

The Agent REFUSED to do that. He insisted that I return the Defective Pump to be repaired and placed back into my vehicle.

There would have been several problems with this.

1 ) I do not want a Damaged and Repaired item put into my car for fear it may fail again 2 ) The car can not run without a water pump. So if my mechanic removed the water pump for me to return to XXXXXXXX XXXX, I could not drive the car home and I could not leave it there. No : I was not going to pay {$120.00} to have my car towed home and then another {$120.00} to have my car towed back to the mechanic when this " repaired '' water pump was sent back. 

3 ) How do I get around with non operational car? 

So, I called DISCOVER, put the purchase in dispute, purchased a water pump from a better Competitor to XXXXXXXX XXXX and had it installed. 

AFTER I purchased the water pump from another distributor AND HAD IT INSTALLED< an agent from XXXXXXXX XXXX contacted me and said she was goign to send me a water pump. I TOLD ER NOT TO. THE JOB WAS ALREADY DONE. She sent it anyway. 

Upon receiving it, I called and told her to send me a mailing label to take it back. I was not going to ship it back at my expense because shipping something this heavy would easily cost me {$30.00} or more WHEN I EXPRESSLY STATED TO NOT SHIP IT!! 

DISCOVER KEEPS DECDING IN XXXXXXXX XXXX FAVOR REGARDING MY DISPUTE BECAUSE XXXXXXXX XXXX SENT ME AWATER PUMP! 

This Water Pump is of NO USE to me. One has already been installed -- at considerable expense. I also told XXXX XXXX to send me a shipping label to send this back, because I was not going to spend {$30.00} of my money to ship it back when I told them not to send it. 

XXXX XXXX sold me a defective Water Pump and refused to take the defective one back for a refund. 

DISCOVER claims I have two Water Pumps from XXXX 'S. I fdo not. I have a defective one which is of no use, and I have the one they sent THAT IS SAID DO OT SEND. 

I want this amount credited to my account. This should not be judged in XXXXXXXX XXXX favor. They have inconvenienced me and caused me to do an expensive job TWICE because of their low-quality merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XXXX of 2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

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 2021-09-10
Company: Creditors Bureau Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im showing that there is a dent on my credit report that Im not aware of I have a FTC report now for fraudulent items on my report also I was never contacted to even dispute this matter they also broke the same bill from the same place up into two separate bills so it looks as if I have two negative collections on my credit report I want this removed or Im going to sue this debt was sold to collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a dispute with XXXX onXX/XX/XXXX confirmation # XXXX and Experian # XXXX regarding the inaccurate reporting of my XXXX XXXX  credit card account. The account is listed as 60 days past due with my last payment in XX/XX/XXXXand that I owe {$63.00}. My account should be listed Pays As Agreed with no past due amounts. I received the results of the investigation XX/XX/XXXX Monday morning. There were portions of my payment history that had been corrected but my account history was still listed as 31 -60 days late. I spoke with a representative named XXXX  and she said I had to contact XXXX XXXX. I told her that I 've contacted XXXX XXXX XXXX and they have not responded.
She said she would refile the dispute. It was refiled on Monday and I received results todayXX/XX/XXXX and my historical payments have been corrected with no past due payments but my status is still listed as 31-61 days late. My status is supposed to be PAYS AS AGREED! I 've made payments to XXXX XXXX XXXX. I 'm up to date and on time. I make my payments thru the mobile site. I 've had issues with reviewing statements and the mobile pay platform. However I have monthly payments to XXXX XXXX XXXX thru my checking account. I 'm not behind on my payments. I do n't owe XXXX XXXX any payments. This error has dropped my credit score by 49 points. My status should be listed as Pays As Agreed. I would like this updated as soon as possible. This drop in credit score has triggered reviews by other creditors. Im in the process of trying to refinance and this drop in score effects my ability to refinance. XXXX XXXX XXXX is examined by the OCC.

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 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of Hurricane Irma. I have had 5 addresses in 3 states since XX/XX/XXXX due to Irma. I have been working on looking for transportation, a place to live and reducing my debt. As such, I have had to apply to a few financial institutions to see what my options are. 
**Hence all three credit reporting agencies are stating, 'Too many inquiries in the last 12 months '. That is unavoidable due to Hurricane Irma. Please help me remedy the issue. 
**I have no credit card debt or home loan, yet XXXX and Trans Union are reporting 'Proportion of balance to high credit on bank revolving or all revolving accounts ' is high. 
**I do not owe anything on any credit card or revolving accounts yet Trans Union is reporting 'Amount owed on revolving accounts is too high. ' **I have no delinquent accounts, yet all three reporting agencies are showing that I have recent delinquencies. I do n't have any revolving debt. I only have a car payment and I have not been late. 

Hurricane Irma has disrupted my life. I have always had impeccable credit and should not be punished further by credit reporting agencies by trying to recover from a natural disaster.

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 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was legally allowed by the federal bankruptcy court on XXXX XXXX in XXXX maryland to be allowed to discharge approx XXXX in unsecured credit card debt owed capital, one a limited llc, corporation.The bankruptcy final judgement occurring on or about the end of XXXX or the being of XXXX The legal department of Capital one credit in a capricious, illegal and retaliatory manner attached a lien again me and my then wife XXXX XXXX XXXX XXXX XXXX then home at : XXXX XXXX XXXX XXXX md XXXX This prevented us when our fledgling XXXX of only 7 years failed, from us selling in a free market our business and home in a timely manner. The illegal lien placed by capital one upon our principal residence prevented such a sale by us, because we lacked the funding necessary to secure legal counsel against this giant corporation. Although such action was seriously considered by us. 

As a result our entire equity in our principal residence which was close to XXXX XXXX was lost when the bank who held our mortgage note foreclosed and privately sold our home to an undisclosed third party I demand this XXXX sleepy companies practices be exposed and all legal damages be paid to me XXXX XXXX XXXX and my formal spouse at the time XXXX XXXX. 

Capital ones knowingly went gainst the direct court order of the federal administrative judges final verdict and the executives should be found culpable of criminal conspiracy to defraud a small business owner of their sole key asset, their home XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 have a Capital One XXXX card. I recently was surprised to learn that a program called the XXXX Account Updater is a part of my card agreement. This is a program that allows XXXX to give new account information to companies seeking payment for recurring payments that ended when the customer had to get a new card. In my case, I informed XXXX XXXX XXXX XXXX that I did not want to renew my subscription. They charged my account anyway on a card that had been discontinued, but they were given my new card information by XXXX. I have tried to opt out of this program, but Capital One does not provide an Opt-out form for the XXXX Account Updater. In checking the internet I see that many other banks that issue XXXX credit cards offer their customers an opt out form for the XXXX Account Updater. 
Capital One tells me to call XXXX directly. I have called them three times and XXXX tells me that the bank who issued the XXXX card ( in this case, Capital One ) must provide me with the opt out form. Capital One repeatedly has told me they do not provide this service. 
I do not want companies to have automatic access to my new account information with out my explicit consent. I know I XXXX have unknowingly agreed to this when I did not read the terms of service, but I understand that other XXXX customers are able to opt out of the XXXX Account Updater, if they have an issuing bank that helps them. Capital One is not helping me.

Company response to consumer: Closed with explanation