BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
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: Investigation took more than 30 days

Complaint:
I have disputed these items with the 3 credit bureaus and have not received a response from 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 2022-09-01
Company: EdFinancial Services
State: NY
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:
Called Edfinancial on XX/XX/XXXX to request a refund for the total amount of payments I made during the pandemic, when payments were paused and not required. The first rep I spoke to was not very knowledgeable and gave bad info more than once. I first tried confirming whether or not Edfinancial had my income information on file. I was told by the first rep that they did not ; however, I am enrolled in a income driven repayment plan, so they would have to have my income info on file. The representative 's first answer was for me to call the dept of ed. 

I then requested a refund and was told that the amount being refunded would only be {$800.00} or so dollars. This was very confusing to me since I've made almost XXXX XXXX in payments since XXXX XXXX XXXX Again i was told that I'd have to call the dept of ed for more info ; however, after some time of arguing and trying to reason with the rep, the rep then realized she made an error, recalculated, and then advised that my total refund amount would be {$2700.00}. This is still inaccurate because the total amount in payments I've made since XXXX XXXX XXXX is exactly {$2800.00} ; however, I did not realize this error until the day after. 

I was then told by this rep that it could take up to 6 months until I get my refund. I was also told that my balance would be reinstated back to its original balance, before I made those payments, in the coming days, even if my refund hasn't been issued to me. 

I then called back and spoke to rep # 2 on XX/XX/XXXX to confirm that my refund was being processed. While speaking with rep # 2, I was advised that my loan balance won't be reinstated until I received my refund. 

I feel like I was given completely wrong information. Not to mention, other loan servicers are processing refunds in sometimes 72 hours, yet Edfinancial doesn't even know when they will be processed/ issued. 

I now have received in the mail ( XXXX ) a letter from Edfinancial advising me that my personal data may have been stolen in a security breach with XXXX This is absurd.

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 2021-03-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX  on time payments right before my first year mark was coming up XXXX XXXX closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not 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 2018-02-05
Company: Commonwealth Financial Systems, Inc.
State: AL
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:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible. 

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification. 

Sincerely, 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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 XXXX XXXX suggested I applied for a Capitol One Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with XXXX and Capitol One representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Check # XXXX dated XXXX in the amount of {$1400.00} was cashed and cleared my account on XXXX. Check was to XXXX XXXX XXXX XXXX in XXXX, WI. The check was stolen out of their mail box and cashed thru Wells Fargo Bank NA Minnesota # XXXX. two people signed the back of the and and forged my signature also on the back of the check. Bank First let the check clear my account. I signed an affidavit of Alteration or Other Fraudulent Act form on XXXX. Wells Fargo should have never cashed this check since it was no XXXX XXXX XXXX XXXX  signature on the back. Per Wells Fargo said it is in process. Bank First claim they check on it every week with Wells Fargo. It's been way to long and Wells Fargo or Bank First needs to reimburse my account.

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 2019-04-16
Company: Turner Acceptance Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom It may concern my name is XXXX XXXX, and I am filing this complaint against Turner Acceptance The company Turner Acceptance, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX. According to Turner Acceptance they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and XXXX as an open account which is Illegal. I contact Turner Acceptance on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the Turner Acceptance rep. that this information is repeatedly reporting on my XXXX  and XXXX   personal credit file, and I have the right to request this information, then the Turner Acceptance rep hung up. I will like Turner Acceptance to stop trying to report this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX year old daughter considered attending XXXX university in XXXX Ma last XX/XX/2017, She registered for several classes but decided to return to her former college instead, She never attended any classes and there was not a single class paid for nor a deposit Made Any other college would not honor registration without payment. 
This college is using predatory tactics to extort money from my daughter with out Any class attendance or exchange of services ... 
There were no services rendered ....,!!, My daughter is now receiving collection notices for classes that were never attended In the amount of XXXX. From XXXX XXXX XXXX XXXX  ... out of XXXX pa This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Account information incorrect

Complaint:
I opened a secure credit card with XXXX XXXX  last year I had XXXX XXXX on time payments right before my first year mark was coming up XXXX XXXX  closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 2. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$130.00} ; 3. PORTFOLIO RC XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ; 4. PORTFOLIO XXXX Opened : XX/XX/2016 Balance Owed : {$77.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

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 2021-07-07
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
On XX/XX/2020 I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card 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, XXXX XXXX, the consumer, mailed American Express a request for debt validation. My legal team has stated, pursuant to 15 USC 1692g, this was not what I requested and American Express failed to properly validate the debt. Attached below is all the responses from American Express through the CFPB, along with the original debt validation request. American Express never expressed who the original creditor is which is I the consumer. I also asked for the original contract and they never provided that either. 

I requested American Express to provide the following to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have sent a fault to dishonor notice to the CEO of American Express attached below and I am hoping we can work this out before I have to go to court and obtain a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$4700.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX  or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX  XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show 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 2022-09-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter dated XX/XX/2022 from Macy 's stating suspicious activity from department store card fraud department. I contacted company. They stated someone got all my personal information and opened an account online on XX/XX/2022. They stated they would close the account and that I wouldn't be responsible for any charges.

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 2015-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. 
They always inform me that a supervisor will call meand no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX and Transunion via certified mail twice requesting for verification of accounts listed on my credit report within a 30 day time frame and both have failed to provide verification nor have investigated this matter to their fullest extent. 

I have enclosed a copy of my XXXX credit report and the most recent credit report from XXXX XXXX showing XXXX did their due diligence in requesting actual verification from these creditors.

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