BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-23
Company: LOBEL FINANCIAL CORPORATION
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:
LOBEL FIN XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MRS has contacted me claiming to be a debt collector via text me 8 times and called me 3 times starting XX/XX/XXXX for a debt of {$60.00} on behalf of XXXX XXXX ( who I have not had service with for over 18 months )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Im not sure how they received my information but these people pretended to be a loan office through Allied Cash Advance. I initially recieved an email saying I had been approved & & they called my phone on XX/XX/2021 where they Verified my loan application. On that afternoon I was told I needed to pay a security payment via XXXX Gift Card of {$170.00} & it would be refunded. After making the payment I was told that I would receive an email from the Texas Department of finance so it could be deposited into my bank account which I did but I had to pay a charge of {$350.00} that would be refunded once I received clearance. After waiting 2 hours I was told that my bank does not accept wire transfers which I confirmed they do not. So I had to pay the money gram fees of {$480.00} to receive my loan. So once paid I was told to wait for my reference code to be provided & once received it was incorrect & & the company was closed. So I called on Saturday morning & & was told that I need to pay an additional {$400.00} because they had to break the transfer into smaller increments. Once I refused to provide any more money they told me that I would have to a total of {$250.00} cancel the XXXX & & receive my refund via money gram! I have spoken with XXXX & & the told me to go ahead & & file my report because I was scammed not once but twice by two different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Remove all accounts that don't 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 2020-05-16
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The merchant charged the wrong credit card. Instead of charging a card that XXXX had opened for me in XXXX in XXXX the company charged an account with Synchrony Bank that had already been closed. When I tried to file a complaint with XXXX with the XXXX  XXXX  XXXX  XXXX ignored it not just once but twice. The fraud department at Synchrony Bank said that there is nothing they can do and Synchrony keeps adding late charges onto the non existing account instead of transferring the charges to the legitimate account. Now that department will not even speak to me and refers me back to the person who transferred me to the fraud department in the first place who then spends 10 to 15 minutes typing into her computer and then saying there is nothing they can do. So the only recourse I have is to file complaints like this one and to advise people that they would be better off borrowing money from a loan shark than to do business with this so-called " bank. ''

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 2020-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the  5th time, I try to connect with XXXX  & Experian via ( calls and web portal ). 

1 ) XXXX  Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our XXXX XXXX  XXXX  team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) Experian When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with XXXX  & Experian for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, 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 2020-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On numerous occasions Ive disputed the address below that shows on my credit report. This is NOT my address. Ive never lived in this city and have proof of living in another city during this time. This address belongs to a correctional facility and there is an inmate number attached to it. Very damaging to my reputation. I have had several problems due to this including not being able to enroll in school because of student loans issued and never paid by someone at this address. My latest dispute has a confirmation number of # XXXX on XX/XX/20. On XX/XX/20 I was asked 4 identity questions at XXXX XXXX XXXX all pertaining to this address. Ive spoken to 4 Equifax representatives that confirmed it is still showing and no answers other than to dispute it again. This is unacceptable!!! Ive been denied a XXXX XXXX XXXX XXXX because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: Information belongs to someone else

Complaint:
These are not my accounts. I have disputed these multiple times. Please remove them.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was compromised. I think it started from XXXX XXXX XXXX XXXX My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like 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 explanation
Consumer complaint received 2020-05-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.

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 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I 'm trying to allow XXXX XXXX app to access my bank account routing number so they can transfer money to my account there saying bank of america is not allowing them.

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 2020-05-15
Company: Franklin Collection Service, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I contacted Franklin Collection Services to come up with a mutually beneficial solution to my debt in the amount of {$720.00}. After explaining that I am in possession of a letter stating that another debtee had their debt deleted from the credit bureaus, I was told that that letter was not from FCS, because they did not delete anything from credit reports. I called again the following Wednesday to try to come up with an agreement again. After speaking with them, they told me that they were only collecting a debt FOR XXXX XXXX XXXX, that they had not purchased the debt, and that XXXX XXXX XXXX would not approve a deletion. I then called XXXX XXXX XXXX, who informed me that the debt was no longer in their system, indicating that it HAD been sold to FCS. XXXX XXXX XXXX explained that they were not in any way preventing an account deletion from a credit report. I called FCS back, and was told they could delete my account from the credit report. I said I would pay 50 % of the debt, ONLY if they agreed to delete the account from my credit report. Two days later, I emailed them with the letter of deletion from a different account as a reference, and FCS responded with stating that it was not an XXXX XXXX XXXX deletion letter and they only did deletions for medical debt, therefore they would not delete my account from the credit report. I have since received two letters from them stating that I have failed to pay a payment agreement for the full amount of the debt. I NEVER agreed to pay the full amount, and, in fact, never authorized a payment or agreed to make a payment without the assurance that my account would be deleted from my credit report. I am being blatantly discriminated against and treated differently than other debtees. They have given me a runaround, after spending an inordinate amount of time trying to come up with a mutually beneficial solution, only to be fed conflicting resolutions, and then be told that I made an agreement to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Around XX/XX/2017, my car was repossessed for non-payment. I was not notified of what would happen after the repossession as far as if my car was sold to an auction, if i had a remaining balance, but they were so eager to call me ten times a day harassing me for payment. I am sure that there is a law in Florida for this. My car was repossessed twice by these people, Santander/XXXX. I told them that I was having financial hardship. Customer service XXXX. They are reporting two different amounts due, which I will be showing proof of. It is making my credit score look terrible and this needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent XXXX and Trans-union certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to  address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My ex husbands credit card bought by midland and charged off was charged off as my debt. It wasnt my debt. Its counting against my credit score and report. Midland has sent letters and called my house my address. Im divorced since XX/XX/XXXX separated XX/XX/XXXX. This isnt my debt from XXXX XXXX  XXXX  its his

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Lending Club Corp
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.

The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.

Company response to consumer: Closed with explanation