BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this 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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I XXXX and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   XXXX  TransUnion XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX  Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   XXXX XX/XX/XXXX Yes Yes XXXX XXXX XXXX. 
All Banks - non specific XX/XX/XXXX Yes XXXX  Mortgage Reporters XX/XX/XXXX  Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX/XXXX XXXX Credit Card Processors XX/XX/XXXX  Yes XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes

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 2019-02-19
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : PROFESSIONAL FINANCE CO. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and PROFESSIONAL FINANCE CO has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from XXXX XXXX against Second Round for Second Rounds failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) wrote to Second Round with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Second round responded with a letter and statements from the original account. These statements are not enough to show the creditors authority to collect on this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I was sent XXXX USD via PayPal. The transaction number is XXXX. I was collecting monies for a gift certificate for a third party. The money for this transaction is not available to me. It has been marked " pending '' for almost 90 days, now. I did go ahead and purchase the gift certificate and included the " pending '' {$1000.00}. 

I have chatted with PayPal numerous times regarding this transaction. I would like them to either let the transaction proceed so that I can access this {$1000.00} or I want them to cancel the transaction. I know the paying party personally and they will simply write me a check. Either solution is perfectly acceptable. PayPal keeps telling me that they are awaiting more information from the payer and they can neither cancel the transaction nor can they let it proceed. I have contacted the payer and they are telling me that the information that PayPal is asking about is private information about the third party. The third party 's name was written in the " memo '' portion of the transaction simply for the payers personal accounting. The payer does not want to give private information about the third party and I completely understand! I'm not even sure it's legal to do so. I believe, PayPal is holding this money without cause and is not helping to resolve this transaction. 

Could you please intervene on my behalf? Like I said, either letting the transaction proceed or cancelling the transaction are acceptable solutions. 

Thanks you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
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 is missing that should be on the report

Complaint:
Trans Union is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX  and placing my health at risk and denying me a XXXX credit card through 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 2018-08-02
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: Account information incorrect

Complaint:
Transunion has major issues when it comes to having wrong information on there reports. I have had for the past 4 months with Transunion information that was on my report as XXXX XXXX- XXXX XXXX or XXXX by XXXX letter that has nothing to do with them but at the same time Transunion has no right to keep putting and then deleting information that does not belong to XXXX nor assign by the creditor. My score seems like a roller coaster with XXXX  and its never adjusted. If a creditor makes a mistake they should be held liable not by no sorry letter and XXXX  is liable for the issues considering they do not correct there credit scores. Letter assign with complaint.

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 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have an inquiry from inquiries that I believe to be incorrect on my credit report from CAPITAL ONE AUTO FIN/CAP ONE NA and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To : Consumer Financial Protection Bureau My name is XXXX XXXX and I would like to file a complaint. I have been blind-sided by a company named XXXX XXXX XXXX. Unbenounced to me I have started being garnished for a bill that the XXXX XXXX XXXX XXXX paid for me aroundXX/XX/XXXX - XX/XX/XXXX. These bills that they are trying to collect on are 20 years old and most importantly, have already been paid by the XXXX XXXX XXXX XXXX. In addition, I am being garnished by a company I know nothing about. This Midland company came out of nowhere and started a case against me that I just learned about three weeks ago when the garnishment started. I have not received any communication ; no phone calls, no mail correspondents, etc. But my main complaint is I dont owe this bill that they are trying to collect on. 
I have done some of my own research and found that XXXX XXXX XXXX has several names and several lawsuits against them for illegal business practices against consumers. Is this company a fake, are they scan artists, or are they just getting away with stealing money from consumers. I WANT MY MONEY BACK THAT THIS COMPANY HAS STOLEN FROM ME! And how is it that they have lied to my employer and got pass them to garnish me on a fake claim. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
very simple. I had no balance with the company. They reached out to me with a 0 % interest offer for 12 months, maybe more, with a low balance transfer fee. I moved one balance without a problem. They solicited me again with same offer. I moved another balance. Next thing I know I get a statement and I'm paying interest. 

I had no intention of moving a balance to this account for the purpose of paying interest. This was bait and switch. I immediately paid the account off and closed it. These people are scum, they've done this to consumers before, and they're doing it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several reccuring inquiries for XXXX on my TransUnion report that I have not done and do not recognize. 

3 inquiries from XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX 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 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I just now received a hard inquiry on my credit report by XXXX that says its XXXX XXXX XXXX/XXXX. From XX/XX/XXXX. It's XX/XX/XXXX and I have never seen this before today Saturday, XX/XX/XXXX. I called the company and they said they have been getting calls like this recently. An error in XXXX XXXX system. He said it's a XXXX XXXX issue and to call them. XXXX XXXX says to call them. Getting the run around. That's really all there is. A false credit inquiry.

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 2018-08-02
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2018-04-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : 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 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This date, XX/XX/2018 regarding online access to the Cabela 's Visa Card account that has been purchased by cards. I was on the phone with a XXXX card representative and then his supervisor fo over 40 minutes today, trying to arrange online user name and password to my account to obtain charges made and statement thereto. 

I was informed that I could not do that unless I enrolled in ONLINE BANKING with them. 
I refused to give them that access and therefore their policy is I can not view my statements or charges online. 

I believe this to be illegal coercion and want to file a complaint against XXXX 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, we sent a registered letter to XXXX XXXX, CFO USAA FEDERAL SAVINGS BANK, concerning our supposed mortgage. We respectfully invoked FDCPA and asked that she would answer some accounting questions. Instead of answering our accounting questions, she passed the responsibility onto someone working in the CEOs office. XXXX XXXX sent us a letter on XX/XX/2018, two days past the time required by the FDCPA. This letter did not answer weather or not we had the legal obligation to pay USAA FEDERAL SAVINGS BANK. While this debt validation process was taking place, USAA FEDERAL SAVINGS BANK sent us two bills and now a letter of default. Not only has USAA FEDERAL SAVINGS BANK violated the FDCPA, but they failed to validate that we had the legal obligation to pay them. USAA FEDERAL SAVINGS BANK also failed to answer weather or not they ever loaned us money in the first place. We would appreciate if you would take the time to look into this matter. We have all of the return receipts along with the original letters we sent in the attempt to validate this debt. We also have the envelope date stamped from the post office along with the paper letter sent to us from XXXX XXXX proving USAA FEDERAL SAVINGS BANK missed the dead line while failing to answer our accounting questions. Thank you for your most valuable time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 I was informed that XXXX  Credit Reporting had lower my credit score by 105 points, Because, I had returned a vehicle to a Buy here Pay Here company and the company took the vehicle back, and closed out the loan and, I owned any other payments because the vehicle had a lot of problems, So I want to complain about Transunion taking such a drastic action over a closed account that, That was the only option the car place had was to close the loan out, I had the vehicle over a year no missed or late payments etc now because I no longer have the vehicle I am punished for it by having my credit score lower a LOT!! 
I feel it is an abuse of their tryant authority,

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 2018-10-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through Toyota Motor Credit Corp. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated a settlement with Toyota Financial Services - which Toyota accepted. I had nothing ot do with the negotiation. Toyota financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to Toyota Motor Credit for GAP Coverage. IN XXXX XXXX, Toyota Motor Credit advised me that I had to submit a report justifying Toyota, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX  an d it then repeatedly sent to Toyota all the documents it had regarding the settlement. Toyota repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, Toyota elected to stop trying t collect from its own subsidiary Nd then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr hwic I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own  subsidiary.

Company response to consumer: Closed with explanation