BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to lift a credit freeze with Experian and tried to call for over an hour to do so. Their phone tree gives you the option to start one but not stop it. I have tried to talk to a live person via two numbers without success. I just get routed around their phone tree an eventually it hangs up on me. This is the worst phone tree in the history of phone trees. They need a e-mail or live chat option. It feels like they go out of their way not to talk to you.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX XXXX XXXX ( XXXX ) 13 ) 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 2020-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a loan w XXXX XXXX XXXX a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to XXXX XXXX and myself - I called XXXX and explained-I asked to endorse check and send to XXXX and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - XXXX agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - XXXX reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w XXXX issue XXXX replied Cfpb has numerous complaints on XXXX concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/XXXX I want my credit corrected or I'll sue XXXX For false pretence and verbal fraud of financial instrument -

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 2022-01-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I reviewed my credit history on the EXPERIAN website. Soon after I began receiving numerous, daily emails from this address : Experian XXXX. The content addresses credit card offers, insurance, etc. 

In addition, offers from various other companies like XXXX XXXX send unsolicited emails. 

I click the " unsubscribe '' button on each of the emails to no avail. They just keep coming. 

I have contacted customer service, been transferred to several people, none of whom handle fraudulent emails. They blame the " dark web '' and offer to freeze my account. 

I suspect the chain of offers stems from Experian 's sale of personal information. I have not been spammed in the past and can not make any other connection.

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 2019-09-13
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:
Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX   system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.

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 2020-06-28
Company: Coast to Coast Financial Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon randomly checking my credit report I discovered there was an account marked as collections from a company called COAST TO COAST FINANCIAL. I dont know anything about this company and surly never received a letter from them stating that the account will go in collections which would have given me a chance to dispute the account and further investigate the account. There have been two certified letters sent to COAST TO COAST FINANCIAL requesting legal proof that this account belongs to me and both times they have not sent anything. This account is fraudulent and they are breaking federal law. I want the account deleted immediately.

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 2018-12-26
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-09-13
Company: SYNCHRONY FINANCIAL
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:
I have several unathorized inquires that I have contacted XXXX  about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that XXXXto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are Syncb/XXXX Inquiry from XXXX  XXXX, XXXX Syncb/lowes Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX Syncb Inquiry from XX/XX/XXXX Syncb Inquiry from XX/XX/XXXX ( XXXX ) XXXX Syncb Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you

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 2020-05-12
Company: DISCOVER BANK
State: NY
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:
Discover has been making threats to report me to credit reporting is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Village Capital & Investment LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Village Capital does not respond to my request to remove PMI charges. By the rules of my loan I have paid down the amount to which PMI is no longer needed. 

The monthly charge is XXXX. 

By my calculations PMI should have been removed by XX/XX/2019. 

I have contacted Village Capital and the previous loan holder ( XXXX ) continuously. 

I was told it would be removed automatically last year. It was not. 

After that I included my request with each monthly payment I called VC last month and was told I must send a request online. I did so, still no response. 

I repeated the online request this morning. Waiting for response. 

Please help. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Sierra Holdings LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/19, a man from Sierra XXXXXXXX  called and left a message on my managers office number threatening to take action if I did not call before XXXX XXXX. I called and advised the company that I filed a chapter XXXX bankruptcy and they would receive payment that way. The man started talking to me in a disrespectful tone. I asked for the mailing address so that they could receive the filing information and was told they do not have a mailing address and I need to pay the money back.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sunday XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX To TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Attn : XXXX XXXX XXXX, President & CEO Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX  Information Solutions , Inc., and XXXX  Information Services, LLC, Case No. XXXX, filed on XX/XX/XXXX, TransUnion continues to willfully harm me by ( a ) Willfully deleting XXXX XXXX XXXX XXXX XXXX XXXX in good standing ; ( b ) Willfully using a variant of social security number as my phone number ; and ( c ) Willfully misreporting payment information on at least one XXXX  Student loan account see XX/XX/XXXX credit report provided by TransUnion These willful violations by TransUnion caused my XXXX  credit score to drop significantly in comparison with other XXXX  score thus caused significant financial harm in buying a new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/2018 my husband and I filed chapter XXXX. I sent a copy to Transunion asking them to fix their errors. I get a copy of our reports and all our good credit that was paid long before this is marked as bankrupt even through they are paid. They removed the XXXX from my husbands report as chapter XXXX when it was reaffirmed with the company. They are idiots and I can not seem to get them to correct it even with the copy showing what was involved. There was no open loans. Only credit cards and collection items. They even screwed me on the one open account I had and they were not even mentioned in the chapter XXXX. HELP ... ... how do we get them to report it right?

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 2019-09-13
Company: BB&T CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This involves a request to transfer an ira cd from BB & T bank to XXXX XXXX. On XX/XX/19 I opened an ira account with XXXX and 2 days later mailed them a transfer request form. They then faxed the completed form to BB & T on XX/XX/19 who then faxed it to their ira dept.XX/XX/19. On XX/XX/XXXX I phoned the XXXX Pa. branch of BB & T who stated the the form was faxed to their ira dept. on XX/XX/XXXX. I later phoned the XXXX Pa. branch of BB & T and was informed it takes 10 days for the transfer. Today [ XX/XX/XXXX ] the cd has not yet been transfered. It is a sizeable amount of money [ over 100k ] and it appears that BB & T is deliberately stalling the transaction in order to use the money for their own benefit and profit from not paying interest from the mature date of XX/XX/XXXX. I would like this matter to be settled as quickly 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 2020-07-25
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint regarding a unknown debt that is continued to be reported on my credit report { s } endangering my excellent credit and overall financial status. 
The company is Radius Global Solutions, reporting a creditor XXXX XXXX? as a client. 
alledging a debt of XXXX. I have sent Radius 2 communications via USPS. This debthas caused me 2 denials for 0 % credit cards that otherwise according to the underwriters that denied me state that I would be qualified for. 
I feel based upon that alone would be grounds for legal action as this company has denied my requests for validation and continue to report an alledged debt that does not belong to me.I am a litigious consumer who will take action in this matter ifit is not removed from my credit report immediately. Radius has committed violations thus far that make me privy to at least $ XXXXI have worked at a major company in U.S. ANDWOULD have been notified of this debt and would have been paid but it is not my debtand I WANT IT REMOVED FROM MY CREDIT REPORT ( S ) IMMEDIATELY.

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 2019-09-13
Company: The J. G. Wentworth Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
J.G Wentworth Home Lending overcharged me, the homeowner, {$1400.00} premium mortgage insurance ( PMI ) over and above the FHA PMI requirements from XX/XX/XXXX to XX/XX/XXXX and refused to issue refund. Attempts to work with J.G. Wentworth from XX/XX/XXXX to date ( XX/XX/XXXX ) to request the refund have been unsuccessful. Supporting documents and formal request for the refund were sent but J.G. Wentworth refused to acknowledge and denied the responsibilities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.

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 2020-06-28
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
About the time the pandemic started, netcredit suspended my line of credit despite my having paid 1000 % the required payment. The company emailed me, while having a perfect payment history, that my line of credit was suspended due to the pandemic, yet didnt offer a reason my line was being suspended. I contacted them. They said in not so many words, tough, you still owe XXXX XXXX Since they did that, I suspended their ability to draw out of my bank account. Afterwards, they made making a payment XXXX near impossible. They also gave relief to COVID affected customers but not to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
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:
Hello, I have detected one incorrect record on my credit report from XX/XX/2016 for a " hard inquiry. '' The hard inquires have been performed by : Citizens Bank.

I have never authorized nor I recall authorizing a credit card or any form of credit request from Citizens Bank during these dates.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Numerous dates and disputes with equifax done on Equifax website. Just filed same dispute again today XX/XX/21. When I get reports back it's for something totally different Than what I was disputing. I sent fraud report and still they verified account as accurate. This account is XXXX XXXX account. Also past address I supposedly lived at showing on my account although it says they deleted them still showing. Equifax is messing up people lives by reporting things that are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Upgrade, Inc.
State: KY
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation