BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

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 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

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 2018-02-08
Company: Diversified Consultants, Inc.
State: FL
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:
Last year I moved out of XXXX XXXX XXXX to XXXX, after being with XXXX XXXX XXXX for several years. I ported 5 out of the 6 numbers I had with XXXX XXXX XXXX, and I gave instructions to cancel the 6th line. To cancel the 6th line and port the other 5 lines I had to pay a balance for phone equipment financing and service charges, which I did, cant remember the exact amount but it was in and around {$1500.00}. A couple of months or so later XXXX XXXX XXXX called me to collect the service fee for usage on the 6th line. Two problems : 1. When I ported the 5 numbers I gave instructions to CANCEL the 6th line. 2. Even XXXX XXXX XXXX agrees that there was ZERO activities in voice and data on the 6th line since I cancel the number. They said that somehow the number wasnt canceled and I had to pay the charges until that day. It is not my fault they didnt cancel, I can not go inside their system and cancel it myself. I used to pay around {$400.00} for 6 lines and now they are trying to charge me {$390.00} for 1 line? This is a ripoff. They have all those notes on their system because a couple of weeks later they called me again and the representative read back to me all the notes that match the facts. They sent it to collection. When I got a call from collection I told them exactly what happened, but they didnt care about accuracy or fairness, all they wanted was to collect, so I suggested them to sue me in court. Yesterday XXXX XXXX XXXX call my daughter and told her about the debit and the amount. Is it legal? This morning he called my wife and told her that the debit is not YET in my credit report, however if I dont pay .... Is it legal? It is not about the money, its about principles. I do no owe this debit, I wont pay until until a judge says so based on the facts, not on brute force. Is there a way I could escrow this amount in court to show I dont have a financial problem but a moral one?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: M&T BANK CORPORATION
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have never missed a payment beyond 30 days. However, M & T calls me when my mortgage is not late, after the XXXX of the month. Also, if I am late for that month payment, ( not over 30 days ) I pay the late fee of {$12.00}. 

I had explained to them that I have been out of work for over 2 years. Because of my finanical situation I need to split my payments during the month. Half at the beginning of the month and other half later in the month. 

I have told them this but I still receive hassling phone calls.

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 2020-01-23
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent in dispute letters to all three credit reporting companies, XXXX, XXXX, and Experian. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH XXXX  XXXX XXXX. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO XXXX XXXX XXXX AND TO THE EXPERIAN BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING 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 2019-10-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I sent money to someone via Paypal that I found through a public forum group who posted that they have extra, legitimate tickets to an event. He proceeded to tell me they were legitimate and for me to send the money via " Friends '' option through Paypal for his " easy confirmation. '' A day later I still do not receive the ticket and realize he'd ask for a " Friends '' money transfer so that I will not be able to dispute this transaction as fraud or suspicious activity. I have record of our conversation on XXXX where his profile name is different from the Paypal name and evidence of him scamming me. People like this shouldn't be allowed to use Paypal. I contacted Paypal about it and I have no reply or even acknowledgement of the situation. I've only lost {$30.00} but my issue is that people like this are avid users of Paypal and are getting away with fraudulent activity. I have record of people posting on the same public forum that he has been posting to event groups about " legitimate tickets '' for a while. How can Paypal let this slide and keep him on their platform to continue scamming people? It's despicable. Turns out he clearly made this XXXX just to scam people, as I went back to screenshot our convo and he's deleted the account so that his replies don't show up. You can tell however, from the contents of my replies what the conversation was about. I even have a picture of the time of receipt/confirmation of payment via Paypal that I sent to him as proof of my " purchase. '' I proceed to ask him when he'll send my ticket and he fails to respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have or had a bank account with navy Federal Credit Union. I opened the account earlier this year. I recently had identity fraud on my credit and resolve in police enforcement. I am rebuilding my credit in retrospect to the damage incurred from the identity fraud. I have other lender accounts. During this pandemic and lack of work I have been collecting unemployment. Earlier this year a job offered me income for business development that I do with my ITIN and file taxes accordingly. The check bounced and the bank repremanded me by charging off my card. One check of three bounced the other two cleared. I don't have a safe stay at home scenario during this pandemic. I have stayed in hotel 's reasonable and the hotel charged my card XXXX XXXX and XXXX fir a two day stay. Navy Federal Credit Union has reopened my card access with conditions in XXXX. Then recently as last week I spoke with someone from the credit union about these miscellaneous items on my bill. They agreed it seemed I was being fouble billed for misc stuff after a cyber attack from a XXXX  computer tech visiting. We happened to  communicate with them on this topic and baby Federal credit my card as these charges weren't specified. This week I notice three charges from good XXXX and one totalling XXXX and two at XXXX and XXXX on the same day. I also reminded them of a false claims to XXXX on my card twice from an online vender. 
The credit union ask for reference in email which supposedly claims that I was obligated contractually to the vender. Navy Federal Credit Union removed the items and my card without notifying me. I called later that night because my card declined a XXXX balance. I called them night before last and they said the security office was closed. Call back in the morning to reactivate my account card. I did so and was told my card is closed and not eligible for reactivation or replacement because of a deposit in may on my check that didn't clear I didn't receive any revenue from. 
I just want to notify the bankers Association that when I try to survive I'm confused because the bank I invested in with a credit union. Wants to punish me instead of advocate for my account security. They want to justify closing my account and refusing access to my income. Mind you I pay for my living situation during a pandemic. I am XXXX  yet again. Sleeping on streets where my wallet or other personal information will be exposed to theft. 
They claim I'm at fault out of state ID and weird charges on my account. 

Great day for justice and banking XXXX XXXX direct line XXXX Office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2019-11-13
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
This is another complaint against XXXX XXXX which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby XXXX XXXX failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Problem with personal statement of dispute

Complaint:
This is another complaint against Kohl 's which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby Kohl 's failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a purse from a lady and she never sent the bag only the tracking number and still hasnt been received by XXXX, I was scammed and I just want my money I did dispute the charges through my back but havent been refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26
Company: HCFS Healthcare Financial Services of TeamHealth
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:
This company is reporting inaccurate information as they are trying to collect on accounts without dates, no validation of debts have been provided, additionally these accounts are inaccurate and an investigation needs to be conducted to resolve this.

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 2020-01-23
Company: Experian Information Solutions 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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unfair deceptive practices. Complained about insurance not covering what Im paying for, retaliation for filling complaint by having credit reduced 2 times when account was paid off completely. Asked for a copy of credit review was told cant have company only keeps for 6months. Rep kept referring to other customers account and I was only calling about my account and was was going on with my account. Paid accoynt on XX/XX/2018 and XX/XX/2018 XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Account was reduced to XXXX called rep advised that my account would be back at credit XXXX since it was paid in full. Not true sent secure message to complain and close account. Message sent back from new york company stating reduced credit due to non payment. Called into call center complained. Received a letter dated XX/XX/2018 on XX/XX/2018 saying credit was reduced again to XXXX  this time due tan an review which seemed to happen after I complained and filed another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: MA
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:
Experian report XXXX XX/XX/2019 the report does not show that I am on a payment plan.this is the result of a recent dispute, do not agree. 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 2021-01-29
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX. I called flagship credit to make a payment and discuss an Adjustment of late charges and other charges that was arbitrarily added to my account on XX/XX/XXXX and XX/XX/XXXX. I spoke to a CR Rep who advised that the adjustment was for the life of the loan but they couldnt give me any specific dates or send me an activity history show which dates those adjustment were mad. Im paying this loan off this year XXXX and out of no where they add XXXX and a separate XXXX to my loan. Why now. And why did I never see anything I writing.

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 2019-09-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
b/c i moved several time bc of civil right violation i had to get this from the bank should clear the XXXX XXXX XXXX XXXX hipp violation sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, 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:
THE SYSTEM IS BROKEN,,, HOW CAN ONE BUREAU REPORT ONE THING AND THE OTHER SAY SOMETHING DIFFERENT. IT'S A VIOLATION TO DO THAT! THESE COLLECTION/CHARGE-OFFS ARE REPORTING INACCURATELY AND NEED TO BE REMOVE IMMEDIATELY. LATE PAYMENTS REPORTING AFTER ACCOUNTS BEING CLOSED. CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THIS ACCOUNT IS IN COLLECTION MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. REMOVE IMMEDIATELY. 
DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED.INACCURATE ... ... ... VIOLATIONS!!!! INQUIRIES NEED REMOVING AS WELL. 
1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Information belongs to someone else

Complaint:
A company called XXXX XXXX submitted a hard inquiry to my credit report as someone with my information tried to open a line of credit. I contacted them via email and phone on XX/XX/XXXX. They told me via phone that the account application would be removed, the inquiry would be removed from my credit report, and that it was a fraudulent activity. I put a freeze on my account with Experian. They stopped responding to my emails on XX/XX/XXXX. I followed up on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them documents from the FTC asking them to remove the inquiry on XX/XX/XXXX with no response. 

I contacted Experian several times and each time was told that XXXX XXXX needs to be the ones to remove the inquiry from my file and not Experian. I tried sending documents from the FTC to Experian through their website, but the page won't accept the files. They tell me to download a form to mail the documents to them, but the form doesn't download.

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