BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection consultants is reporting 3 medical collection accounts on my credit report. I contacted them because they have NEVER contacted me. I asked for evidence that the debt was mine. They refused to give it to me and insisted that I give them my social security number, where I work etc. I finally got out of them that these accounts are very old but they would not tell me how old. I believe that they are over 7 years old and should not even be on my credit per FCRA. I am 100 % positive that they are over the statute of limitations ( CA Civil Code 337 ) yet they threatened to sue me when I would not give them my work info. They are also re-aging the account. They show that the last activity on the account is older than the opening date of the account. Lastly they made absolutely no effort to validate the debt and still won't give me the information necessary to even determine if these are or ever were valid which is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, 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 2021-06-21
Company: Experian Information Solutions Inc.
State: NV
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 am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/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 explanation
Consumer complaint received 2021-07-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was at the county building in XXXX California in XXXX and I was leaving when a XXXXXXXX XXXX guy ask me if I want to make some money he told me to open a bank account and he will show me so I went to the Bank of America opened the bank account then he asked for my bank card and pin and I gave it to him because I thought I could trust him but I was wrong he took my card left me hanging I got no bank account because no bank will allow me to open a account because of suspected fraud activity.I dont no what to do.

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.

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 2020-07-29
Company: EQUIFAX, INC.
State: TN
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just received another notice from USAA which clearly shows that they have no idea of what they are doing. They are misrepresenting my second payoff check as a request to reapply the amount to my loan. It was the loan payoff check that I was forced to resubmit because their personnel could not read and match the loan number on the original check with their own loan statement payment coupon which was mailed with the original loan payment. A payment they clearly received in time to make an earlier payoff, since they returned that original check to me. Their own rejection form ( all of which has been included with my previous complaints [ # XXXX and # XXXX ] ) falsely claims the payment was rejected for missing/improper loan identification number. Their inability to admit to their own negligence with such messages is becoming a harassment. What is it going to take to straighten these people out?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Stern & Stern. P.C.
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:
STERN & STERN PC Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX NY, XXXX Hard inquiry by Stern & Stern above. I never gave this company consent to access my credit report.

I demand that hard inquiry to be removed from all 3 credit reporting agencies and {$1000.00} compensation for my rights being violated. IF Stern & Stern believes that they had my consent to pull my credit, I demand such signed documents to be produced.

Violations : 15 USC 6801 -- Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
They raised my monthly payment from {$170.00} per month to {$560.00} at the beginning ofXX/XX/2018. I was told over the phone that I don't qualify for a lower payment plan now. I am currently in forbearance for one year.

I tried to apply for loan forgiveness because I've consistently paid my loan and worked full-time as a XXXX XXXX XXXX  for 12 years now. Federal Student Loan.gov turned me down, saying that I didn't have the right kind of loan ( PSLF ). They told me to apply through Navient. I found the Navient XXXX  loan forgiveness form, but my financial officer at work says that it's not the appropriate form. I can not find an equivalent form for Navient civil servants loan forgiveness.

I've read about the lawsuits against Navient. I had student loans through Sallie Mae before Navient took over. Likewise, I've read that it may not be wise to refinance through XXXX XXXX. I would have to start all over to qualify for the loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: MA
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:
Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped XXXX points because of XXXX. According to Equifax, my credit score decreased XXXX points because a XXXX balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Was not notified of investigation status or results

Complaint:
Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For weeks I have been calling TD bank regarding the disbursement of an offer. I have met the requirements and every time I call they say they are still waiting and that an email was sent. The negligence of this company is extreme. I have been calling all day and they cant provide a proof of our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: DISCOVER BANK
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Made payments to Discover Student loans through electronic payment on XX/XX/2018, directly from my checking account to their account as I have been doing for the past 10 years. The payment of XXXX and XXXX  that have been withdrawn from my banking account are claimed to have not been received. These payments would pay off those loans. I have called their customer service multiple times always to get the same replies of it will take various amount of days to investigate, which every time I call I get a different response of 3 days, 5 days, and now they are telling me up to 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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 REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I never tried to open an account with XXXX, But today while I was setting up my XXXX XXXX account I found two enquires from XXXX on the same day which is on XX/XX/2017 Kindly help me out this issue.

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 just received a copy of my credit report and I found more hard inquiries that are unknown and fraudulent, I immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and I need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, I just place a fraud alert on my credit 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 2018-12-20
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: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018

Company response to consumer: Closed with explanation