BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are fraudulent XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.

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 2018-01-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are multiple addresses on my report where I never lived

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 2022-01-17
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Missing XXXX Binance.US says they returned XXXX back to my account on XXXX they did not. I want proof of the transaction. I have provided them with my bank statements to show that they never deposited the return deposit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I consumer XXXX XXXX, sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have not cease contacting 3rd parties, they are attempting to collect a debt that's not theirs or validated. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this 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 2017-07-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX inquires listed on my credit file multiple disputes submitted no investigation done by Transunion XXXX inquiries remain and lowering my credit score Transunion refuses to take action even after multiple letters sent warning of legal action to follow

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 2022-01-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are multiple addresses on my report where I never lived

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: ALLY FINANCIAL 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:
On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.

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 2020-06-07
Company: EQUIFAX, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
Equifax froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. EQUIFAX GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined Equifax XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I recently pulled a copy of my credit file and notice some inaccuracies on my report. I have account that is showing repossesion. I have never did any business with this company that is reporting this information on my credit file. I do know that it causing a lot of damage to my credit file. I have taken the steps of contacting the company and the bureaus about this matter. However neither of them never responded to letters I have sent and the phone calls that I made the companies representatives kept brushing me off. So I have no choice but to contact you guys because I totally believe my right is being violated.Please help me clear this matter up.

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 2022-01-17
Company: Experian Information Solutions Inc.
State: TN
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 want these removed, I did not authorize these. I have filed a police report. I have sent in disputes to the credit bureau and they will not remove these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-01-08
Company: EQUIFAX, 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:
Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
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 have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My current legal name is XXXX XXXX XXXX and my current occupation is I 'm a XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX. I 'm just asking to be fairly not long ago I check on my credit report and some incorrect information and inaccurate on my credit report I did report to CRA and ask them to remove those items then XXXX  and XXXX confirmed is fraud and I 'm the victim of fraud now I 'm stil waiting XXXX to remove the inaccuracies off my credit report I was lose almost over two hundred points of that suddenly they have another collection came from XXXX phone account # XXXX and the amounts is {$290.00} dollars said that the account was open in XXXX last year 2016 my question is all that time XXXX phone why they do n't report to the CRAs the three major credit reports that I have open account with them or someone else? I 'm have snaill business and I 'm work hard everyday I 'll pay my debt I do n't owe no deb at all just my two credit card couples hundreds of dollars if I pay my debts I suppose deserve for good credit score, this they not report at all then the thing go wrong and they report to the three major credit report without notice when I know is too late my credit report already report and my credit score is went down that hurst my employees, my financial, leasing, insurance etc ... and my XXXX daughters next year the go to college university XXXX XXXX   how do I have student loans for them XXXX as for myself I did write a notice on my credit report that any new inquiry or new account please contact me on my personal phone numbers, but no body contact 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 2019-07-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX, I tried to make an online purchase with my Victoria Secret credit card which is through Commenity Bank. They suspected fraud because I was sending the merchandise to my daughter in Florida. They shut my card down and told me that in order to have the the card back active, I would have to send a copy of my Social Security card, Drivers License and a utility bill to XXXX XXXX XXXX XXXX OH XXXX. I told them in this day and age no one would be stupid enough to send their Social Security Card in the mail where anyone could get it and steal your identity. I am sure that the Federal Government would not want someone to send their Social Security card in the mail. I was told that if I didn't do what they wanted they could not help me and my card will be cancelled. I asked them what protection do I have if someone obtains my identity and they told me no I have no protection. I do not believe this should be legal. No one should be able to ask for a copy of your Social Security card and your Drivers License just to lift a hold on their credit card. I did not need to show my Social Security Card when I opened the account. Just as you are not asking me for my Social Security number in this complaint, no one should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2019 I discovered XXXX XXXX ; Account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company response to consumer: Closed with explanation