BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX and TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-03-11
Company: Innovis
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX " Cbcinnovis '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX XXXX   XXXX XXXX, KS ) on XX/XX/XXXX. Who also conducted a hard inquiry on my XXXX account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX  XXXX  MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal. 

Approximately 1 week later, I received a XXXX XXXX  Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical. 

I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information. 

My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: SUNTRUST BANKS, INC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.

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 2017-11-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.

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 2019-08-30
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:
Unauthorized inquires are showing on my credit report

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 2020-05-14
Company: U.S. BANCORP
State: OH
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:
On XX/XX/2020, and in XX/XX/2020, I had unauthorized charges on my account. 

XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} I disputed these with US Bank and had the card closed. 

However, US Bank refuses to investigate the unauthorized charges. 

They claim I was refunded by the merchant for the unauthorized charges, but that is NOT TRUE. I even sent them a follow up, but they ignore all correspondences. 

They even ALLOWED the merchant to continue to charge my card in XXXX, despite US Bank knowing these are fraudulent charges. They refuse to investigate this.

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 monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : 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

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 2018-11-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX XXXX XXXX XXXX and XXXX Account # XXXX and XXXX. I am not responsible for any payments for these accounts. I have no business with XXXX XXXX XXXX XXXX and XXXX. XXXX is " third-party debt collector ''. I do not have a loan or contract with XXXX XXXX XXXX XXXX and XXXX or owe a debt to XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX and XXXX is attempting to collect a debt on the basis of fraud. Please provide proof of claim with evidence that you have legal and lawful authority to collect? Failure to substantiate the claim, please settle account immediately ( SATISFACTION OF LIEN AND RELEASE OF LIEN ). Im challenging this account with XXXX XXXX XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ). XXXX XXXX XXXX XXXX , XXXX Restrictive Covenants contract has expired and XXXX XXXX have no contract with XXXX XXXX XXXX XXXX , XXXX. Therefore you are obligated to release the lien and clear the title to the property. XXXX XXXX XXXX XXXX , XXXX has received full payment of HOA, full  payments was made on XX/XX/2018 with statements payment for XXXX XXXX XXXX XXXX Fl XXXX and Payments for XXXX XXXX   XXXX. Check made out to XXXX cashed XX/XX/2018, both property paid in full. Theres no law that requires me to pay a third party debt collector! No contract with XXXX Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX, XXXX! Please correct account immediately! Attached copies : check, Claim of Lien, Notice of Contest of Lien and Summon. I will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

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 2018-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I got a car insurance quote from USAA last month but that was the total extend of my interaction with them. The quote was more than twice my current premiums so I did not complete the application ( even after my ignored mail/email/phone contact from them ) Today I received a Visa charge card with a {$8.00} balance and {$24000.00} credit limit that I never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt isn't mine, this is fraud, someone ordered some stuff and had it shipped using my name ( XXXX XXXX ) I have notified and completed a fraud package and still dealing with this now with a different company. The address the company had on file I never lived at. This is NOT mine / DOESN'T BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I attended XXXX College in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with XXXX  now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX College saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.

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 2018-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a personal installment loan with citizens one bank for the new XXXX. I went to pay off the full balance of the loan on the phone and I find after I made the payment with the supervisor XXXX that I was charged twice with each amount being {$1300.00} for a total of over a {$2000.00} charge on my credit card. I had to use my credit card to pay off other balances and could not do so because the overcharge of two payments reduced my credit line needed to pay off other balances. The supervisor did not tell me the first payment did not go through which took away my choice to tell her to not make an additional payment effort after the first payment did not go through. Instead she just kept charging my credit card without notifying me and when I get off the phone I see two charges on my credit card. After two weeks of waiting going back and forth with multiple supervisors I asked that they give me a discretionary credit on my credit card for all the issues as well as to compensate for the interest accrued on other balances that I could have paid off using my credit limit that they reduced by charging me twice. The bank didnt even make an effort to reverse the second charge as it was on my account for 8 days. For eight days I did not have the credit limit I needed to pay off other obligations due to them charging me twice while interest was acrruing daily on the other obligations. The supervisors escalated this matter to the office of the chair and the end resolution is that they were not going to give me a discretionary credit for all the issues they caused. I spoke to a lady named XXXX. I told her I was going to report them to the CFPB because many other customers may be going through the same thing. Two days later I get a call from the dispute resolutions department to check up on me because they heard I was going to the CFPB and they tried to ensure they werent going to give me a credit but they would better their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LexisNexis is report an at fault accident for me in a car I never owned or drove. The accident occurred in XX/XX/XXXX. I was hit by the driver and owner of vehicle LexisNexis is showing me as owner and at fault. The vin # of the car show me not the owner or driver. LexisNexis is reporting false and incorrect information. I went XXXX XXXX Agent they show from Lexis Nexis I had an at fault accident driving a XXXX XXXX I don't own or have ever drove. This has cost me higher premium or denial of insurance coverage. LexisNexis also have another person connect to the report they provided to me. This has cause insurance agents to ask me if this person resides at my address. XXXX agent on Friday XX/XX/XXXX corrected the false information in their system once I took proof from my insurance company that I never owned or insured the car they are saying was my and at fault. I took proof from the insured company showing their client was at fault with that vehicle. However, it is still being falsely report on other agents checking LexisNexis site. If I had the document before XXXX corrected their system I will be taking this lying, false report fake Lexis XXXX to court, If I get a copy of that report they will be in court. For 5 years I have paid a higher insurance premium at their stupidity. XXXX XXXX IS LISTED ON THIS REPORT FROM LEXISNEXASS. WHY? Is XXXX on the report you sent me? Maybe XXXX XXXX can sue Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, Experian and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs 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 2018-09-09
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been making payments on a medical bill from XXXX Hospital XXXX. The original balance was XXXX. I have XXXX left to pay. 
The last payment I made cleared my account on XX/XX/18. I had one more payment to make. The collection letter for the last payment is dated XX/XX/18. 
I understand that XXXX Hospital is exempt from the Fair Debt Collection Act. This is very wrong. If a person is attempting to make payments in good faith, they should not be permitted to sell my account. It is clear that the individual person thst worked my account was able to make the decision not to send my account to collections but nastily chose to do so. Now I am in jeopardy of receiving a bad debt on my credit report when I have been paying the bill. How is that fair 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 2018-07-12
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute on several inquiries on my Equifax credit report that I did not recognize. Their response was that they couldnt remove them. My name and information was part of their security breach and thats why I disputed those inquiries. Nothing was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was traveling somewhere in XXXX of this year and had stepped in a local branch to get some information on how I can prepay my account so I dont end up getting any late fees or reporting on my credit report. One of the team members told me I could prepay the account so I dont have to worry about late fees or negative reporting. long story short, I got a late fee plus nagative reporting even though I prepaid the account. I need the negative reporting be removed off my credit report as I was given the wrong information.

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