BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
N accordance whit the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXXXXXX XXXX, XXXX, CREDIT CARD, OPENING DATE XX/XX/XXXX AMOUNT XXXX DATE CLOSED XX/XX/XXXX. XXXX XXXX, XXXX, INSTALLMENT ACCOUNT, MONTHLY PAYMENT XXXX, OPENING DATE XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX OPENING DATE XX/XX/XXXX, DATE CLOSED XX/XX/XXXX XXXX XXXX, XXXX XXXX INSTALLED ACCOUNT, OPENING DATE, XX/XX/XXXX, DATE CLOSED XX/XX/XXXX. XXXX XXXX XXXX XXXX, INSTALLMENT SALES CONTRACT, OPENING DATE, XX/XX/XXXX, DATE CLOSE XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine 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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
from XX/XX/XXXX to XX/XX/XXXXmy current Landlord of nearly 9 years at XXXX XXXX in XXXX Michigan, have over 9 judgements on my Rent grow tenant report. i disputed this with rent grow on XX/XX/XXXX, they informed me the info was provided to them by Transunion screening service at XXXX XXXX XXXX. After contact Transunion screening service i found out that they were also showing that i have 3 open accounts that they added to the dismissal log on my report told me to call the 47th district court at XXXX XXXX XXXX to have them deleted i called left a message on the courts voicemail, no reponse.

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 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
It is about Kohl 's reporting. They reported late payment to the credit bureau. 
Purchased several items on XX/XX/XXXX XXXX order # XXXX XXXX I receive the latest item on XX/XX/XXXX. 
Value {$100.00}. Not sure what was the due date for the cc payment ( i have only access to the last XXXX statements through their website XXXX, probably somewhere around XX/XX/XXXX. That is the date on other statements that I have access to. 
I contacted them in XXXX just after the mandatory store closing around XX/XX/XXXX. 
I was asking about returns. I wanted to return most of the items but the store was closed. I was told by customer service not to worry. I can do that after reopening. No one knew at that time how long the stores will be closed. No one told me that I have to pay the balance at that time. I assumed that because we were in a special situation Covid 19 that everything works different way at that time. 
I understood that I don't have to do anything at that time. 
In XXXX XXXX around XXXX ) I was planning to buy some more items from the store I called them and I learned that I have an unpaid balance and that they are charging me extra fees for that. I explained the situation. I was told that I have to pay the balance and everything will be taken care of. Paid the balance and the fees were credited to my account. 
But after a few days, I have learned that they posted late payment to the credit bureau. Because of that my credit score from over 800 went down to XXXX. 
I was told by the Credit Bureau to contact Kohl 's to reverse that. Kohl 's refuse to do that! 
I think that I was treated unfairly. I was doing what I was told to do by their customer service. It was an unusual situation because of Covid 19 and the credit reporting should be reversed! I returned the purchase items in XXXX after they reopen the stores. It was my first and the only one late payment in my history!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've tried to reduce my monthly payments based on my income. I have yet to get an answer and it has been over 30 days. I have submitted all the documents and applied for the reduction twice. However, every day I get at least two or three emails demanding that I make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've made two attempts via the XXXX  dispute process to resolve this matter, the most recent being XX/XX/XXXX. XXXX XXXX and I had a dispute over the amount of a larger bill that also included this bill of {$28.00}. Once resolved, payment was made to XXXX XXXX on XX/XX/XXXX. I have not received any written attempts from Professional Adjustment, Corp of SW FL Inc. to my knowledge requesting payment. I only noticed the erroneous collection, reported to the credit bureau, on my credit report. I have provided proof of payment and the above information to XXXX  who has stated that Professional Adjustment , Corp of SW FL Inc. has reported that the collection was correct. 

I have not been delinquent on any bills over the past 20+ years, let alone one for {$28.00}. My credit score ranges from XXXX depending on the credit reporting agency and report date. To have an erroneous delinquent credit collection on my report is negative and the company has not proven that I owe money to them. I have proven that I don't, but XXXX  have not taken this off my credit report. This complaint is both with Professional Adjustment , Corp of SW FL Inc. and XXXX  Credit Bureau, but I didn't want to waste CFPB time by making two separate reports for such a small amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: MN
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:
In XXXX, I sent Equifax and XXXX an dispute for incorrectly reporting XXXX XXXX XXXX {$630.00} on my credit report. No verification with signature or anything else was sent to me that this collection belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: IN
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:
After applying for a credit card with XXXX on XX/XX/2018 and noticed that a delinquency was reported for Experian. 

I obtained a credit report from Experian on XX/XX/2018 and noticed that a 30-day delinquent account was reported for XXXX XXXXXXXX XXXX for account ending in XXXX. I have previously filed a CFPB complaint regarding this because XXXX XXXX XXXXXXXX closed my account that had a balance and removed any indications that a balance still existed and didn't provide any means to pay the balance. After the CFPB complaint was filed, XXXX XXXXXXXX XXXX had agreed to remove the delinquency report from ALL credit bureaus in exchange for settling the remaining {$25.00} balance. 

This delinquency is still being reported by Experian to this date.

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 2019-05-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my AARP Chase credit card without my consent. Although I can understand closing an account for abuses or non-payment, it does not seem right that a card company can simply close an account because they are not satisfied with how much I am using their card. When a credit card company decides to take this action they are potentially having a negative impact on a consumer 's credit as the total amount of available credit is reduced and the average age of open accounts may decrease. This kind of tactic should not be allowed to take place and I hope you will thoroughly investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2018 I called Citi credit card company at XXXX. I followed up with an email I received promoting 21 months of 0 %. The employee on the phone said that no offers were on my account. I asked if it was for new credit card members and he said no. I have been a credit card account holder for 7 years. I wanted someone from the marketing team to call me but he said that would not be possible. 

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 2018-08-30
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.

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 2020-05-11
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RETAIL MANAGEMENT ASSOC. a debt collection reported three medical bills on my credit. This agency is not licensed nor bonded to collect in my state. They should not be reporting anything on my credit. 
I have medical insurance that is paid and I met all of my deductibles. My insurance stated that they paid the claim. 
I sent for verification of this debt and they won't send me anything RETAIL MANAGEMENT ASSOC. took one emergency room visit and broke the charges down to make it look like several different visits. They also changed the dates This agency is illegal and need to be stopped

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 2020-10-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/2020, I was shopping for interest rates on a used vehicle loan. In doing so, I submitted an automotive loan application to Pentagon Federal Credit Union XXXX PenFed XXXX, among several other financial institutions. Other than a loan application, I did not execute, nor intend to execute, other loan documents, including a promissory note, with PenFed. Subsequent to the loan application being submitted and approved, and without executing other legally enforceable loan documents, PenFed added the auto loan to my PenFed account and began enforcing the loan without authorization to do so. While enforcing the unauthorized loan, PenFed began drafting the monthly principal and interest payments from my checking account through an unrelated third-party financial institution, which was included on my account to service my PenFed mortgage note. In addition, PenFed incorrectly reported the unauthorized auto loan to the credit reporting agencies, which adversely affected my credit score and ability to obtain credit. 

I am highly concerned that PenFed is recognizing unauthorized loans ( and loans in which PenFed does not have an enforceable right to collect on ) in their credit lending portfolio and thereby adding unauthorized loans to consumers accounts and credit reports without their knowledge after a consumer applies for a loan.

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 2018-06-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: DC
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:
XXXX originally reported the outstanding balance on this loan incorrectly. Now they are incorrectly reporting that foreclosure was started on this loan. I have attached the short sale approval letter as evidence that this home was never foreclosed or foreclosure was ever initiated. I have also attached the HUD-1 showing the home was sold. This was previously provided to XXXX. This was never reported by XXXX XXXX. This was added after XXXX started reporting this loan. This is currently affecting my husbands ability to obtain mortgage approval. 

I am asking that they report the statement " FORECLSR STARTED '' from all credit reports for my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 XXXX has tagged me with a phantom account and reported it to TransUnion, XXXX and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with TransUnion, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Clarity Services
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:
XXXX XXXX XXXX appears on behalf of Clarity Services INC in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the XXXX Attorney office as well as the justice Department on American Web. My credit file with XXXX  is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on XXXX part by Clarity being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX   else where and no you been filed on several agency.I 'm also filing a police report on this company XXXX as well as Clarity Services Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Clarity Services
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:
XXXX XXXX  on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX  seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Issue with XXXX XXXX Mastercard The store card offered me 0 % interest rate for 18 months and i opted for the following 2 payments XX/XX/XXXX - {$3900.00} - 0 % till XX/XX/XXXX On XX/XX/XXXX the above payment was reversed and changed to " Charge Adjustment '' with 25.24 % APR. 
Since then i have been calling during every statement date and discussed about the issue and no one seem to be getting it right and so far close to {$380.00} was charged as interest which should not be. 

I sent the required documents, explained over phone and in secure message center. 

No action is taken so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i am a XXXX XXXX year old consumer Enclosed A COPY OF MY TRANSUNION AND XXXX credit report which is enclosed showed that the follwing debts are paid and closed yet they still are trying to collect money from me 10 years in the making. I HAVE ENCLOSED A COPY OF THE XXXX REPORT ON TRANSUNION CREDIT REPORT ARE XXXX XXXX XXXXXXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX   ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) Summary XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX  XXXX XXXX XXXXXXXXT ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( CLOSE XX/XX/XXXX XXXX XXXX XXXX ( CLOSED ) XX/XX/XXXX XXXX ( CLOSED ) i never lived at the following addressesi have yold this to XXXX in the past and these are still appearing on my report please asked them to removed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL   XXXX Former XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX They inquiries are preventing me from geting the needed medical care this is wrong please have them removed. 

Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: OpenRoad Lending
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was searching my offers for refinancing my auto loan through XXXX, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from XXXX XXXX telling me that a new hard inquiry was just added to my XXXX   credit report, and after that I received an email from www.openroadlending.com saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in XXXX XXXX is XXXX   XXXX, I already call them and they told me that they work with OpenRoad Lending

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation