BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: Experian Information Solutions 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:
Experian customer service would not help and take care of the negative/fraudulent reported inquiries 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX. Date of Inquiry : XX/XX/XXXX 3- Inquiry : XXXX/XXXX XXXX . Date of Inquiry : XX/XX/XXXX 4- Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX 5- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 6- Inquiry : XXXX/XXXX  XXXX Date of Inquiry : XX/XX/XXXX 7- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 8- Inquiry : XXXX/XXXX  XXXX And As Date of Inquiry : XX/XX/XXXX 9- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 10- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 11- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 12- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 13- Inquiry : XXXX Date of Inquiry : 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 non-monetary relief
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/21, I received an alert from XXXX XXXX stating that my credit score changed. I looked at the score for XXXX and it went down XXXX points ( XXXX to XXXX XXXX. Transunion 's credit score went down XXXX points ( XXXX to XXXX XXXX. I was blown back from what I saw. 

I called Transunion and talked to several people. Everyone had the same script. They can not do anything about it. They did not know what my score was earlier in the week. They do not track that info. 

The associates and their supervisors said that my lack of open accounts possibly dropped my score down that much or the inquiry from XXXX XXXX ( in process of purchasing a home ). That made no sense. Am I being dinged for being debt free XXXX absurd )? I asked why this magnitude of a drop is not happening at the other bureaus. They would not answer outside of that is the way their system works. 

As I stated before, my wife and I are in the process of purchasing a new home and my score does not look good in the eyes of the lender. I need my score to get back to where it was.

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 2019-01-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: MS
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 have tried to work with equifax concerning my credit report, they are still showing my report closed for my automobile when it should be open.I purchased the car XX/XX/XXXX and still have it in my possession. this is damaging my score and stressing me out because i cant get approved for anything.i have wrote XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX concerning this item and still no reply. need help in solving this issue because they have violated the 30 laws by not responding within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with 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 2020-11-04
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:
i'm complaining about unfair portrayal of credit information on experian, XXXX, and XXXX.The negative portrayals of XXXX XXXX acct. no. XXXX, XXXX  XXXX XXXX, account no XXXX, XXXX  XXXX XXXX, acct. no.XXXX, and XXXX XXXX XXXX are due to a single source that was beyond my control and overwhelming me.My spouse who is now divorced from me was systematically stealing and using credit without my permission.As a result I am left with severe credit damage which could be mitigated by you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Receivable Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. 
I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. 
I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: FACTUAL DATA CORP.
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:
Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: OH
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 XXXX, experian deleted XXXX , but then it was reinserted onto my credit profile, without me being notified within, 5 days in violation of FCRA.

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 2020-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 my husband noticed a XXXX XXXX transaction was sent to a XXXX XXXX from our checking account from USAA and asked me about it. I replied I did not make that transaction from XXXX at all. He immediately called USAA and reported fraud. As he was talking to a representative, I checked my savings account and noticed another XXXX was taken unauthorized through XXXX  two days prior which was that Saturday, so I got on the phone and reported that also. Our accounts were frozen for 72 hours and then after that no call or update, all our pending transactions were released. At this point, all our funds were removed and placed in another account that was not involved. On XX/XX/XXXX, I got two emails saying that my claims were denied and no fraudulent activity was found and the cases were closed, immediately called USAA and due to Covid, requested a representative call me back due to the wait times. The representative called me and I expressed my concerns and requested the documentation to be provided stating why it was closed because the letter I got stated I could get them. She told she would request them and it would take one to three business days and she would have everything reopened and a fraud analyst call me. This was Wednesday and I gave USAA until the following Wednesday. At this time which is now XX/XX/XXXX, I called USAA again asking the status of my claims and my documents. The representative even sounded confused to why it was closed because their findings made no sense to him. No notes from anyone looking into the two claims nor did I receive any documents. I told him on the XXXX, that USAA has until the following Wednesday to contact me with some sort of progress or documentation. I stated he could annotate the account I would file a complaint with the CFPB that this was not right. Its now XX/XX/XXXX and NO ONE has reached out to me via phone, email or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: TD BANK US HOLDING COMPANY
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:
Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My husband was given 3 MasterCard Debit cards from his work as awards. He gave them to me and since they were still enclosed in the wrapper I thought I would save them to use on a trip etc. I assumed like most credit cards you have to call a number to activate for use and I never did this because I hadn't opened them. When we were going to XXXX this past XXXX to see my daughter I opened one card and the sticker said your card is now active, so start using it so I tried it at a restaurant but it said I had 0 balance, and I tried it again in XXXX seeing my other daughter in XXXX and same thing=XXXX balance. So a week or so ago I called the number on the card sticker XXXX customer service for MasterCard gift cards and they said they could try to submit for a fee reversal on the 2 cards I had never tried to use but not the one I attempted to use. Yes there was XXXX balance and there were inactivity fees ( which I didn't notice ) applied ( $ XXXX ) XXXXXXXX  balance on the cards.I was told to call back 24-48hrs to see if a decision to reverse the fees but no response and they resubmitted it again for 2 of the cards.It just seems I'm out {$120.00} even tho the expiration on cards is 2023. Today I tried to call US Bank XXXX XXXX  ( since these cards are issued by them- and they have been my bank for 23yrs and I cant believe they would put out a card like this ) and was passed to XXXX people and then to? who told me to call the number on card. So I called the consumer financial protection bureau. Card # XXXX, & XXXX ( I tried to use this one ). Yes I didnt read the small fine print on wrapper but I didnt realize it was active till I opened the wrapper and read the sticker that said your card is now active so use it. My opinion is there should never be an inactivity fee- it should only go by expiration date otherwise its ridiculous to put an expiration date several years out if the inactivity fee will expire the use of the card within less than 2 yrs.This is quite the money maker for MasterCard/US Bank XXXX XXXX because I'm sure I'm not the only one this has happened too. I would appreciate your help in trying to recoup any funds possible from these " gift cards '' if possible. Also some state laws have no inactivity fees and no expiration of the value of the card which all states should have or the cards should retain full value till expiration date of a few years. Thank you for your help with this matter. There should be one law the same in all states regarding MasterCard Gift Cards and others about valuation/expiration date.

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 2020-08-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this several times as identity theft and even asked for a breakdown of the charges which none of the companies will provide. The debt is for {$1000.00} from Account Resolution Services. Not to mention this is a direct HIPAA violation on reporting medical information. I have contacted all 3 credit bereaus.

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 2018-04-28
Company: SECURITY FINANCE CORP
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I am being harassed by XXXX XXXX XXXX. They called my work after I asked them to please stop. It is disrupting my day. They even ask my coworkers what my schedule is and what time I will be in. They call me repeatedly over and over again. 4 times in one hour at work. I understand that I am behind and if they want to call my cell phone that many times then they can but to call me that many times at work is unacceptable.

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 2019-03-26
Company: ERC
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:
I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is my third time filing a complaint against AD Astra Recovery Services. The last two complaints they state they are not calling and harassing me and that is a lie cause the calls keep on continuing. I have already spoke to a family member who is a paralegal today about their abusive collection tactics and she said they may say they are not the ones calling and making threats doesn't mean they didn't go outside of there company and hire a third party to do their dirty work for them. She states its a scare tactic that most collection agencies use and doesn't keep any records of the calls on their side and most companies that use third parties has been proven guilty of this in the past. The calls are being made from a unavailable number and is a middle eastern man and women calling me, my family and my job and I've demanded them to stop calling my place of employment. They don't keep anything confidential and telling them my financial business to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, around XXXX eastern time I received a call from XXXX XXXX XXXX indicating I had been approved for a loan. They offered me a loan of {$500.00} that would be deposited into my checking account. I was advised I had extended time to pay and could pay off early. With the call happening so late in the night, I accepted the loan. Afterwards I was sent a link to click on and " agree '' to the loan. I wasn't presented with the Truth in Lending disclosures or otherwise I would have declined the loan. 

My " contract '' arrived via email. The APR is 861.71 %, on a XXXX loan. The total payments scheduled were biweekly with 16 payments total. The total " cost '' of the loan with all payments made is {$1800.00} which would make the grand total repayment amount of {$2300.00}. 

Payday loans are illegal in the state of Georgia unless the lender is licensed by the state to issue loans ( which this tribe is not ) and unless the lending institution is insured by the FDIC ( again, they are not ). 

Further the interest rates in this loan also violate state laws aimed at protecting customers. At the time, I was unaware this predatory lending was illegal. I have contacted the XXXX County District Attorney as well as the Georgia Attorney General 's office regarding this company and its lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has now failed to pay my property tax for three months now, with penalties this bill is over {$1800.00} USD at this time. I have contacted this company eight ( 8 ) times by telephone [ XX/XX/XXXX ; XXXX ; XXXX ( supervisor XXXX XXXX ) ; XX/XX/XXXX ( supervisor unknown ) ; XX/XX/XXXX ; call back XX/XX/XXXX ( supervisor XXXX # XXXX ) ; XX/XX/XXXX ; XX/XX/XXXX ( representative XXXX ) ] and spoken to three different supervisor that gave me three different resolution dates. The last resolution date give was XX/XX/XXXX but nothing was accomplished. I need this tax bill paid before it has an effect on my mortgage, my credit and my security clearance.

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 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted Transunion on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called CAPITAL ONE Bank at XXXX ( XXXX ) XXXX XX/XX/18 at XXXX they say the can not do anything about it. 
And have tried solving the issue myself over the course of a couple weeks, I still finish myself unable to use external application with my bank account. This is my right to use as I see fit. I do not need barriers placed on my account. For about a year all my services worked and then suddenly it began to fail with connecting to capital one. App such as XXXX pay apps no longer function as intended. I dont not want to use capital one bank bill pay. I would like to have the option. I have apps such as earnin a payday app that requires to see my my banking transactions to see when Ive been paid, so it XXXX lend me money, and debit it when my payday arrives. I must call customer service every week and email them screenshots to continue using the application. THIS IS WRONG. My time and hours of the day I spend doing work arounds. If this is not fixed Im closing the account.

Company response to consumer: Closed with explanation