BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had debt through XXXX XXXX  that was passed on to Stephen einstein & associates law firm. Now fast forward to the date of XX/XX/2019 I received notification from my payroll that a garnishment has started coming from XXXX XXXX through Stephen Einstein & associates law firm. I reached out to the law firm via telephone on the same date and spoke to a person by the name of XXXX XXXX who became very rude and placed me on numerous holds throughout the call because he felt as I quote " if you are not going to let me talk I am just going to put you on hold '' to try and find out where was there notification being sent out to my address about this judgment against me and possible garnishment. He stated that it was sent to an address which i have no knowledge of and was not my address. He then stated that the process had already started that there was very little I could do and they got and i can send in a paystub now to them to see if they could lower the garnishment payments. Proper action wasn't taken by this law firm to even reach out to me the person about the debt, judgement, and garnishment that would start.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.

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 2020-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me everyday for months about a debt amount I do not agree with. They were calling me everyday. I tried to resolve the debt but told them I paid XXXX they do not have a record of. I refuse to pay bc of that. The calls were so bad I told them to stop calling me XX/XX/XXXX. I repeatedly blocked their number but they would call from different numbers. They called XX/XX/XXXX, XXXX, XXXX etc. They stopped calling for like 2 months. I just got another call from Portfolio Recovery today, XX/XX/2020 at XXXX. I can't take it anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: The CBE Group, Inc.
State: UT
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:
CBE Group is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt, I called immediately and paid the debt off. I never received any phone calls, letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: UT
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 XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I applied for a business credit card with XXXX XXXX. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that XXXX XXXX is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like XXXX XXXX gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal  used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.

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 2018-12-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account on several occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are the dates to be exact. I have not received any information about these requests. This is negatively impacting my ability to obtain auto financing. I want this account to be removed as it is not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Old information reappears or never goes away

Complaint:
I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Attempted to request Security Freeze on XXXX web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with Transunion was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable

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 2019-07-02
Company: DISCOVER BANK
State: TN
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:
I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ),  because the promo time was close to expiring. 

To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. 

I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. 

This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently contacted Experian and recieved an updated report on XX/XX/XXXX to delete 3 accounts that appears inaccurate. I called to see who was the original creditor. The report shows the account was opened with the original creditor but that creditor no longer exist so I want to know how was the account verified as accurate. It states that it was paid, closed and never late but will remain on the report until XX/XX/XXXX and XX/XX/XXXX. Two of the account has the same balance of {$17000.00} and the other one is {$1500.00}. All of these accounts are outdated. First reported dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these accounts are with the same creditor. I need these removed 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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax reports massive hack which includes the " loss '' of my personal data to who knows who or for what purpose. I have had to freeze all my credit due to this which has made my car buying experience impossible, as you can imagine.
I will not sign up with their monitoring service as I do not trust this company at all. They reported on me for years. 
Who is going to take care of the report on them for thus egregious and appalling crime. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2019 I filed some disputes for XXXX XXXX XXXX on devices I didnt receive, I explained my situation to PNC bank about this and field the dispute, pnc does not any to help and told me to deal with XXXX XXXX XXXX and get my money back its like I just gave XXXX XXXX XXXX   free money, I explained to pnc that Ive already went through XXXX XXXX XXXX and nobody wanted to help and I did file other disputes but this bank is just that bad I trusted pnc to get my money back but I was denied and bad customer service, I would not recommend this bank or smart access card to anyone, I have tried to resolve this this but I cant thats why I filing this complaint, one was for XXXX dollars the other was for XXXX dollars and the other ones for XXXX and XXXX, this bank does not want to help the customer and I was told cant help you please resolve this before I file a XXXX XXXX XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a store card that was financed through Comenity Bank. I always pay my bills online but this card I never could, so I would have to call in to pay. In XXXX, I was one day late and then got a bill for {$22.00} in late fees and interest. So, I called into pay this late fee bill that I only just received and discovered I am late again and next month will have another higher late fee and interest charge on this interest fee and late charge. I called and was told the reason I can't pay it online is because, while I am registered with the store website, I am not registered with Comenity. In order to register with Comenity, they need to send me something in the mail. Which no doubt will make my next late fee late. This to me appears to be a scam. They should not be allowed to send bills late and then demand exorbitant late fees. Please stop these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 put in a dispute for XXXX XXXX that is showing on my credit report, the have fail to remove the collection while it's being investigated which is a violation of the FCRA removing collection from consumer file while being investigated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: CA
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:
Requested in 4 certified letter with copy of my SSN, Driver license to Equifax stating these 3 company do not have authorization in writing to run my credit however equifax is refusing to remove hard inquires from my credit report XXXX XX/XX/XXXX - Spoke to XXXX at XXXX they do not my authorization in writing to run my credit XXXX XXXX XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX XXXX they do not have written authorization to pull my credit XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX they do not have written authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit file, there are 2 fraudulent credit cards and a utility account opened using my information that I did not authorize. Identity theft.

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 2019-07-02
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been contacting Experian explaining to them that they are reporting things that absolutely do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information along with address information that I have never lived at. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2020-10-09
Company: Experian Information Solutions Inc.
State: NJ
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 called XXXX and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called XXXX and told them i was on defermement when i had covid they reported me late and it was their fault. they said they would fix the problem on all 3 bureau

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