BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
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: Information belongs to someone else

Complaint:
I WOULD LIKE ALL FRAUD ACCOUNTS AND INQUIRIES REMOVED

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 2020-11-14
Company: EQUIFAX, INC.
State: NC
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:
I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX  account unverified information ). I was furious to learn that they obtained unverified information from XXXX and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company ( XXXX ) reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and XXXX, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. XXXX is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with XXXX and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: KY
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 have disputed the inaccurate reportings with XXXX, Experian, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, Experian is reporting a payment status of current with no late payments and XXXX   is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-01-03
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: Information belongs to someone else

Complaint:
I am intrested in disputing my credit file with Experian all the incorrect information on my file.

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 2023-03-08
Company: Liberty Career Finance, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I applied for a job with XXXX XXXX  XXXX  XXXX i was told by the instructor that i failed the training and was dropped from the program later i get constant threatening phone calls threatening to put it on my credit report that i owe XXXX XXXX dollars for sub par truck driving training on trucks that are not legal to drive on road bad brakes bad tires not safe i never signed any of the debt collections documents or liberty career finance complete forgery lies of employment offer free cdl on the job training complete bait and switch scam and they will not stop calling at all hours threatening legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WESTERN UNION COMPANY, THE
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
ref. Western Union XXXX XXXX. Money transfer made by me on XXXX XXXX to my sister XXXX in XXXX, was improperly paid by mistake or fraud to an unknown person to me named XXXX in the XXXX XXXX on XXXX XXXX. 
To this date, I have made numerous attempts by service chat, emails and calls to Western Union, to supervisory levels and they continue to open investigations and escalations of my case without a positive resolution to my claim, to either return my money or pay the original intended recipient. 

I have my original receipt and records off all my calls and messages to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
closed IRA cd at one  west branch on XXXX. I Was told I would get money XXXX I called on XXXX to check on status, was told that check would be coming in 7 to 10 business days. it is hard to get hold of anyone at the bank branch. I think the bank is stalling for time to hold on to deposits. Where is my money? 

OneWestBank a division of CIT bank, N.A. 
Account ID number XXXX Main office XXXX XXXX XXXX  XXXX  XXXX, Ca XXXX branch location XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.

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 2021-09-03
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me 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 2019-08-04
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 submitted a complaint XXXX earlier this year concerning a Capital One Bank account I never applied for and is showing a balance total of $ XXXX. Capital One claimed they have proof that I made a payment by check to them on this account and that is their excuse that the account belongs to me. After several attempts calling them for proof of this check, they have not been able to provide that proof. The three issues here is they can not provide proof of the check, they can not provide proof that I applied for the account, and the address they submitted to the Credit Bureaus for the account back back in XXXX is from a XXXX XXXX, AZ residence when I lived in XXXX, AZ. If they can show proof of the check, it will show that I lived in XXXX. I was in High School at the time the account was created. I never applied for any type of credit until XXXX. Capital One allowed someone from XXXX XXXX, AZ to apply for an account with my information and to overcharge the account by $ XXXX. I am the victim of fraud and it is bringing my credit down. Because of this balance, I have not been able to get credit and I have also had to pay for credit protection. I am XXXX years old now and I am being punished financially for no reason. This debt hurts my ability to have a good job or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}

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 2023-03-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name was used with someone named XXXX XXXX as a co signer to create this account without my knowledge. I never opened this account up. My identity was stolen and is being used to open several accounts fraudulently. I have had my data breeched four times since 2019. I've tried to resolve this issue several times to be able to actually open my own line of credit through XXXX  XXXX in realizing there is already a fraudulent account. It's been a couple years that I've had this issue with lvnv funding inc and it stands the same today as they have kept it. Stubborn as they are they refuse to change or dispute the charge and won't listen to my report for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MA
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, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the MA BOARD OF HIGHER EDU ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: SC
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 had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my Equifax report it shows that I made two payments directly to finger hut XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. XXXX But my Equifax account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX  but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/23 I was offered 30 % off my first order to apply for a card at XXXX XXXX XXXX XXXXXXXX. I made the application and nothing happened. No denial, no approval and no 30 % came off the total. I called the company and told them to cancel the order and to cancel my credit card application. Today I got a text saying I was behind on my payment. I called the number and they said they couldn't help me that they were comenity bank and I needed to call the store. I called the store and they said I needed to call the bank. This went on for a few hours and now I'm here. I never got the merchandise, I never got the card or the statement and I never got the 30 % off the order they say I received. No one there can help me and I have no info to give you because as far as I know I have no account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-16
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Macy 's credit card and I had a balance that I had to pay off in order for them to remove me from collection, so I paid them the whole amount in XX/XX/XXXX and Macy 's is still reporting my account as " negative '' to the credit score agencies and it is showing as " negative '' on my credit report. The last day this was reported was XX/XX/XXXX as " collection/chargeoff ''. This negative account is affecting and lowering my credit score, and I have attempted to get them remove it but they have not yet. 

The Lender information is : XXXX XXXX XXXX XXXX, OH 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 2020-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I called Capital One to discuss the fee on my Venture credit card. I am not traveling due to COVID-19 and do not want to pay an annual fee ( {$95.00} ) for a card that I am not getting benefits from. I asked for my options, and they said they could not do anything until the annual fee posted and call back. I asked if could downgraded then and that they could prorate the annual fee if I decide to change products, and the customer service rep said " absolutely, no problem whatsoever ''. Fair, so I waited until XX/XX/XXXX, as I saw my annual fee posted on XX/XX/XXXX. I called without success to have the fee waived or get a retention offer, and when I tried to product change, they now claim that the fee can not be prorated! This is pure deception by Capital One, and is predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020 at XXXX XXXX, Spoke to XXXX XXXX was put on hold and then cut off. Returned call and was routed back to XXXX at XXXX XXXX. Requested information on the debt as none had been provided in writing. I became aware through my credit report. XXXX would not provide the information and began yelling and making accusations. Refused to transfer to a supervisor when asked multiple times and continued to yell and cut me off from speaking then said he was done talking to me and hung up the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My new account is with XXXX. AESXXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX XXXX XXXX. I want all AES/XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.

Company response to consumer: Closed with explanation