BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMMONWEALTH FINANCIAL has inserted 13 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed Commonwealth of this status. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: NH
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 Experian credit report which I accessed XX/XX/2020 has reported a former address which is not mine

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am writing to delete the following information in my file. The items I need deleted are enlisted in the report. 
I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. 
Please delete the items as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
It is impossible for Experian to know if I was in receipt of any goods, moneys, or services due to fraudulent accounts reporting on my credit file. There are accounts being reported on Experian credit file that I have been disputing for several months. Experian recently sent a letter to me stating that i had received goods or services and that the were not able to honor my request. I find this very discriminatory, biased, and impossible for Experian to have such knowledge as such. I recently over the past 60 days have contacted Experian through direct mail and phone about several accounts reporting on my consumer credit file that were established without my knowledge and or consent. I recently received a copy of my credit report from Experian which stated nothing more than it was just a copy of my credit report. I also took the initiative to file an identity theft report which included some of the fraudulent accounts in question as well as the fraudulent addresses. Experian has failed to provide a reasonable investigation within the 30 day time frame allotted per the Fair Credit Reporting Act which is a violation of my consumer rights. In addition unlike XXXX and XXXX Experian has failed to provide a block within 4 days of being notified by a consumer who's been a victim of identity theft. Experian has had more than enough time to complete an investigation but continues to violate my rights as a consumer by continuing to report the fraudulent accounts to my credit file. I find this totally unacceptable and Experian should be held liable. The accounts in question are 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 2018-12-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had an incredibly difficult time trying to pay off my student debt, instead of adjusting payment options, or allowing me / working with me to make changes, if I have a 'tight ' month Im just punter to forbearance which means I am still accruing debt in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received an email from ACE Cash Express on XX/XX/XXXX stating my loan payment for {$140.00} is coming due XX/XX/XXXX and would be withdrawn from my account on XX/XX/XXXX. The last four digits of the account number matched my savings account. The company withdrew this amount from my savings. For some reason it was reversed but the bank was unable to tell me if that was on their end or ACE Cash Express. Using my email, I tried to logging to ACE Cash Express by using the forgot password option and the login link they provided in the email. After logging in I was able to see my outstanding balance of {$680.00} and payment schedule showing this is a new loan that I have never made a payment on. The payment schedule shows {$140.00} due every two weeks with the next payment coming due on XX/XX/XXXX. I was unable to locate any loan documents in the portal or reach ACE Cash Express by phone. I did not take out this loan and I did not receive a loan from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Self Financial Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, recently checked my credit report and was disappointed that Self is reporting on a closed account and that all 3 credit bureaus are allowing this. This account has been closed since XX/XX/XXXX. I received my pay out from the company and acct has been closed. 

On my credit report this company closed my account in XX/XX/XXXX. However they have been reporting late payments since XX/XX/XXXX. The last reporting date on this account is XX/XX/XXXX and this is significantly damaging my credit report. 

When logging into the site I am not prompted that I owe anything just offering to do business with me again. This is holding me back from so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX agreed to a modification in XX/XX/XXXX but with their agreement they promised to clean all lates as to provide us with a true fresh start. This was the third modification attempted and it finally worked out. We retained a lawyer to help. The initial modification was rejected by their error on XX/XX/XXXX and that would have had us with a four year clean mortgage payment history.

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 2020-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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/XXXX I booked a hotel in Hawaii using Capital One Rewards. The booking was forXX/XX/2020. When Covid-19 began to spread, it became apparent that it wouldn't be safe to travel from our home in XXXX California to Hawaii at that time. I am in the high-risk population for contracting the disease, XXXX years old with underlying health condition. 
I contacted the hotel to cancel the reservation, and I contacted Capital One to inform them that I would not be traveling. 
They have informed me that this was a " non-refundable '' purchase. However, I believe this situation would amount to an " Act of God '' which should override such an agreement. 
They claim that I did not contact them, because, apparently the rewards department is separate from the ordinary credit department. They further claim that the reservation was not cancelled, which it was. 
Further, Capital One did not pay the hotel for the reservation, so they have incurred no expense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 open my credit report over there i see unsuspicious joint account open in my report is not mine. And also there are 4 5 inquiries which doesnt belong me i an a victim of identity theft. The account open on XX/XX/2023 of amount XXXXXXXX XXXX i report the bank also they told me they can see any account open in my profile i also contact the trans union for dispute they just told me to wait for report to verify i am very upset after finding an un suspicious activity in my credit profile. 
My identity is theft by someone.

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 2018-08-07
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. 
I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. 
They begin again. They told me they will call my cell phone and job daily until I pay them. 
I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. 
They are very RUDE when they call and say I need to pay it all or nothing at all.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to 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 2018-08-07
Company: Pinnacle Credit Services, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " PINNACLE CREDIT SERVICES, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. THIS CASE OF PINNACLE WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER DISCHARGED UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}

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 explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX XXXX  Mortgage XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I haven't received the last 2 statements from Home Depot credit services. Apparently my minimum payment changed for the first time in 15 months from $ XXXX/mo to $ XXXX/mo and I wasn't properly notified because I didn't receive my statements. When I contacted the bank and asked for copies of my statements and a refund they stated they were unable to refund the fee because it was my fault. Even though I told them I didn't receive my statements, which by law I'm allowed to have time to review prior to the payment due 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}

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 explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have tried to open disputes online through the portal where I have an account but continue to get an error saying I cant dispute online. This has been a nuisance as Ive had this account for several years but always have issues where I can not dispute anything. They are advising for security reasons but that doesnt seem right as I am accessing my request from my account.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: NY
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:
as previously stated before I am a victim of identity theft, I did submit this complaint myself from my computer. I am not a lawyer or a credit fix it person

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-19
Company: EQUIFAX, INC.
State: MO
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:
Today is XX/XX/2021. I mailed out letters to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$440.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation