BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed several inaccurate false accounts on my consumer report with Transunion all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports. 

XXXX XXXX XXXX. 
Amount : {$14000.00}. 
Date Opened : XX/XX/XXXX. 

XXXX XXXX XXXX. 
Amount : {$400.00}. 
Date opened : 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2020-08-26
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was notified of this account when it showed up on my credit report over a year ago from a collection agency called Ad Astra XXXX located in Kansas. It states I owe {$5700.00}, I had no idea what this was as I never received anything from Ad Astra but they have been reporting this on my credit report for over a year which lowered my scores tremendously. Every time I dispute the account it comes back verified yet I never receive anything showing verified. I sent them a validation of debt twice starting in XX/XX/XXXX and never received any thing back, I sent them over 15 emails, 3 faxes which I have to pay for each time and even had one of my credit monitoring companies send them a call for action which they did respond only to say call them. When I call, the company is mainly used for XXXX XXXX collections and have only a few XXXX representatives or maybe just one named XXXX. They either can't transfer me to one because they phone isn't working, the rep isn't available, the computer is down, all I get are excuses. Even the website when you log on it goes to a XXXX XXXX website. I have called XXXX to see if I could get any information from them but they stated the account belongs to Ad Astra and they can't do anything. I have probably spent over 40 hours of my time trying to get this handled yet I never hear back or can reach anyone. I am hoping you can assist with this so I can figure out what is going on and get it handled. Their website states they will remove it from the credit reports after two years which is coming up in XX/XX/XXXX but I would like to get this derogatory report off my credit sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my XXXX report. On my XXXX have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the XXXX, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.

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 2017-07-02
Company: U.S. BANCORP
State: AZ
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:
We took advantage of 0 % credit card offer for 18 months in XXXX of 2016 on our XXXX XXXX  credit card. We are a XXXX XXXX and we use our home as our mailing address for the XXXX. We moved in XXXX of 2016 and had our mail forwarded to our new address. Because we were concerned about missing any payments due to the move, we went to great lengths to keep track of when payments were due. No payments were ever missed on this account. Unfortunately, we recently learned that XXXX XXXX closed the account and have started to charge interest on the account. When inquiring as to why this happened, we were informed that the account was closed because we moved. This happened despite our payments being made and our mail being forwarded. <P/>We requested that the account be reopened and the 0 % interest offer be honored. We also requested a reimbursement of all interest charges that were charged to the account. XXXX XXXX has refused to honor their 0 % offer.

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 2020-12-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
30 days late payment. I've never had late payment and this has to be wrong. This is only reported through XXXX. 

This might be scenario when I was changing the banking info that was setup for automatic payment, and they didn't put it on file. 
I called several times, they said I'm all setup ( they have my acc and routing number on file and they will proceed with the payments each month ). 

After a few months going back and forth, and waiting on hold for 30+ minutes I figure this is not working because the only thing that I was trying to setup is saving my new banking info for automatic payment. 
I kept doing manually payments each month because they couldn't help me and decided to close the account with them. 

XXXX and XXXX they don't have any report for late payments under my credit history reports, which is right. Just recently I start using XXXX and I figure that my credit is not the same. When a called they told me that I have late payment with Synchrony Bank back in 2015. I was shocked. 
Please taka a look and remove it from my credit because it's really hearting my XXXX credit.

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 2018-09-26
Company: EQUIFAX, INC.
State: GA
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:
showing late which it shouldn't be showing late payments for the account number listed below. Equifax haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ID Analytics, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX  dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank XXXX unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXXTHIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Transunion XXXX XXXX  sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX and Transunion and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.

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 2018-10-25
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  Experian and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX  and XXXX  and Experian file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.

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 2018-10-25
Company: Medical Society Business Services, Inc.
State: AZ
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 am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX XXXX XXXX which has my score dropped significantly. This was an item that was paid with the agreement it was to be deleted from my credit profile. Which turns out not to be the case. I would like this collection removed from my credit due to false/misleading representation in order to receive payment, which I now know was obtained under dishonest terms. Spoke to someone on XX/XX/2018 who was extremely rude and unprofessional with her help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  2017 , I sent a validation letter t o Franklin Collection Service,   Incorporated in  XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
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: Personal information incorrect

Complaint:
I am requesting that the following information listed removed from my report. This information is inaccurate or no longer in use. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
Please list my name as XXXX XXXX XXXX and my telephone number XXXX this is my current and up to date information.

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 2017-07-02
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I work a XXXX job and it requires me to travel 80+ miles a day. I work Mon-Friday XXXX - XXXX. I lost my wallet with my ID, cash and my XXXX Capital one credit card was used fraudulently. This happened twice the first time it was for the amount of {$1900.00} the second time it was for {$1700.00}. I noticed the charged on my transaction list both times and reported them both times. However after a month and a few weeks I check online and seen that they reversed both credits back unto my account and I was totally shocked I was being charged for Two transactions that were made fraudulently. I then received information via mail stating I benefited from these transactions which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted the request for an income driven repayment plan 4 months ago and it has still not been processed. I have called Navient multiple time to resolve the issue and to no avail it has still not been processed. Navient has mixed up the paperwork with another request I submitted for consolidation which was cancelled, told me that they lost track of the request and would resend it to their processing department, lost it again and then confirmed with their processing department that everything needed was submitted and then put a rush on the processing, and now they have denied it stating they ca n't use the  XXXX  as proof of income due to a new Federal rule that went in effect in  XXXX  ; even though this was all submitted well before that date and they just failed to process it. This is a major financial hardship for me and they continuously make up excuses to draw out the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.

Company response to consumer: Closed with non-monetary relief