BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: R & B Corporation of Virginia
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX {$1300.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$840.00} was reported being owed to XXXX Virginia XXXX XXXX. 
XX/XX/XXXX {$1800.00} was reported being owed to XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$150.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$360.00} was reported being owed to XXXX XXXX XXXX. 
XX/XX/XXXX {$430.00} was reported being owed to XXXX XXXX XXXX. 

On XX/XX/XXXX I called Credit Control Corporation XXXX XXXX XXXX, VA XXXX XXXX ) and informed them that I had previously disputed this information via XXXX as this debt does not belong to me, but my dispute was unresolved due to there not being enough supporting information. Once I provided my name, she said " that appears to be a really common name, can I have your date of birth ''? after providing her with my birth date, she says " hmmm, that didn't narrow it down much, lets search by your social security number. '' So it is obvious that there are multiple accounts with the same name and date of birth as mine. I asked them what they needed of me, and was told that the debt is obviously mine, and I must have just moved from XXXX XXXX, where they sent my bills. I then informed the woman I was speaking with that I have never even lived on a XXXX XXXX She asked me for my current address and said she would be happy to send all the bills to me, but that is all. 

In XXXX, I encountered Identity theft. My debit card was " skimmed '' according to the police department, since I still had physical possession of it. Then, when tax time came around, I received a bill from the XXXX with my name on it in addition to a " XXXX XXXX '' whom I have never even heard of before. I filed an ID Theft report with them, and they fixed that for me as well. Now, I am having all of these medical bills show up in my collections history for XXXX 's offices that I have never even been to. I have asked multiple times for them to send me proper correspondence showing that it was " actually me '' that obtained these services rendered, and to no surprise none of that is produced for me. I am trying to purchase my first home, and my banker said even though these accounts are showing " closed '' there are still balances behind them, which is preventing me from obtaining my XXXX loan. She suggested reaching out to whomever I can to figure it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXXXXXX XXXX XXXXXX/XX/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 2020-10-15
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This complaint is about US Bank 's external money transfer fee of {$3.00} for any money sent out of one 's checking account to another bank. While I can understand they might charge the fee if initiated on their own platform since they need to create the systems to do such transfers ( even though other banks do not charge fees for either internal or external transfers ), after all it's their choice if they want to have a policy that puts them at a competitive disadvantage to other banks. However, they charge the fee even if the transfer is initiated at any other bank! This seems like they are holding my money hostage and charging an unfair fee since they aren't doing anything at all but releasing the money as they are legally required to. They don't charge fees for debit card charges, checks written to myself at another bank, etc., so why should they be able to take {$3.00} from my account if I ask my other bank to drag some money over? This seems like yet another example of banks nickel and diming users, likely without their knowledge before the fact ( I had to call the bank to find out they do this, and even then the banker I spoke with was unaware of this practice until confirmed elsewhere while I was on hold ), in order to boost their bottom lines. It's angering, frustrating, and further creates distrust between customers and the bank. I've asked US Bank for justification of this policy but have yet to get a response.

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 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed are not my accounts, nor did I authorize these companies to run 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 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! Also fix their unfriendly annual credit report. I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.

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 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
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:
I was the victim of identity theft and fraudulent accounts appear on my report

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 2022-02-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.

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 2021-06-22
Company: DISCOVER BANK
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Affirm Holdings, Inc
State: CT
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:
So on these dates XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : SANTANDER CONSUMER USA. 
DATE OPENED : XX/XX/2012 AMT. XXXX THEY SAID THEY DID NOT RECEIVE A CLEAR ID, WE FAXED IT TO THEM AND THEY SAID IT WILL BE REMOVED WITHIN 48-72 HOURS, IT HAS NOW BEEN OVER A WEEK.. WE STARTED THIS DISPUTE 2 MONTHS AGO, IT HAS BEEN OVER 30-45 DAYS. WE HAVE PROVIDED THEM WITH THE POLICE REPORT, ID THEFT AFFIDAVIT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have never had any type of credit cards with Discover Bank. I am requesting for Discover Bank to remove and delete this fraudulent account from my XXXX and XXXX credit report immediately or legal actions will be taken. 

1. Discover Bank Account # : XXXX I have attached correspondence from your company stating for the credit bureaus to delete and remove this fraudulent account from its system. Why is Discover, XXXX and XXXX violating my rights? 

I have attached a copy of my police report, Discover letter as well as a copy of FTC report for Discover Financial Services to remove and delete this fraudulent account from its system as well as my XXXX  and XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: MO
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:
Experian should not be reporting a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Driver 's License and Utility bill for identification purposes to investigate this complaint. ) The vehicle was sold at auction and sold for more than what was owed. The current balance reporting is false and needs to report {$0.00} balance. This false reporting of a balance and repossession is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2021-08-09
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX  account was deducted over XXXX  XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was checking my credit when I noticed nine separate ( 90 ) day delinquent accounts from Navient, my student loan holder beginning in XX/XX/2017 and received no notifications whatsoever over the supposed 90 days of late payments. I have been enrolled in their Income Based Repayment Plan for nine years qualifying for a XXXX   balance payment annually. The process starts and continues once you file your income taxes and upload them on Navient 's website with your IDR application annually. My plans have consistently run from XXXX of one year to XXXX of the following year. There was no point in time when I had lapsed from a qualified " XXXX '' payment to being late, specifically in XX/XX/2017 when I had not yet filed my income taxes as I would normally in XXXX so that I could reapply before XXXX the following year. I have utilized the credit dispute services of XXXX and made numerous phone calls to Navient. There is no way for a loan holder to hold anyone accountable for what they do or say as not one person has an email that we can utilize as proof of document submission or conversations/instructions given by Navient agents. This has hurt my credit score, employment opportunities, and caused increases in my insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I called the bank and spoke with XXXX operator # XXXX requesting a COVID 19 deferral. I was told by XXXX that my request for payment deferrals was approved and my payments were going to be deferred until XX/XX/XXXX. e.g. No payments would be required from now until XX/XX/XXXX. 

Starting on XX/XX/XXXX I received multiple daily harrassing calls from BBVA stating that I had failed to make my payment for XXXX. I called the bank and let them know that I had been promised a 4 month deferral on XX/XX/XXXX and gave them the name of the operator that had granted that request as well as her operator ID. They confirmed that they could see that I had called in on XX/XX/XXXX but would need to pull the call record to see what they had promised me because they had only deferred my payment by one month rather than the four I had been promised by XXXX. 

So on XX/XX/XXXX I opened a case ( Research Case # XXXX ) requesting the call record from XX/XX/XXXX be pulled and that they verify that I had been indeed promised a four month deferral. The operator that took the case on XX/XX/XXXX was XXXX ( ID XXXX ) and promised I would be notified as to the results of pulling the call record and what the first operator had promised me within 10 business days, which would have been no later than XX/XX/XXXX. 

As of XX/XX/XXXX I have received no response to my request to confirm my call granting me a four month deferral on XX/XX/XXXX. In the meantime I'm still constantly receiving threatening calls and letters stating I'm behind on my payments ... but they're unable to contact me regarding my research request that would resolve everything? 

On XX/XX/XXXX I received another threatening letter from BBVA stating that I was behind on payments. I called in on XX/XX/XXXX and asked the agent what was the result of the research request I had submitted on XX/XX/XXXX and was told that no one had pulled the call record but that I need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a 3rd party debt collector, not even sure what the debt is for. They have called my job, my inlaws, tried to get money from them. Said they were lawyers. Said they were some government official about a case filed against me. That I should consider this phone call as being served. I 've disputed it with 2 credit bureaus and it was removed. Then this company reported it as new credit debt back to these agencies. I have spoken to 3 employees about their illegal debt collecting practices. " Portfolio Recovery and Associates " is the company name

Company response to consumer: Closed with explanation