BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ). 

" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX. 

My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX. 

I telephoned that number and asked for ext. XXXX. I was told that extension did not exist. 

I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX. 

COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme. 

My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a 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 Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

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 2020-09-10
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car is financed through Regional Acceptance Corp. And my monthly payment is {$450.00}. 
I was laid off in XXXX due to Covid 19.

I called Regional and they agreed to a 90 day deferment. I explained that I would not be returning to work in that short of time. She said call back if I needed more time. 
I applied for a 2nd deferment when that ended and was approved with payments being due again on XX/XX/XXXX. 
I contacted them today with an additional deferment request as I have been told that I would not return to work until XXXX, XXXX. 
They denied my request for additional help. 
I explained that without the deferment the car would be reposessed because I have no means of keeping it paid at this time. 
They did not appear to care. 
Is there any recourse for me, or will I lose my car and have my credit ruined? 
Thank you, 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 2021-11-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD BANK CLOSED MY ACCOUNT WITHOUT NOFICATION.PUT A HOLD ON MY FUNDS ..MY ACCOUNT HAS MY UNEMPLOYMENT {$430.00} TRANSFERRED ACH TRANSFER OF XXXX unemployment transferred frome a XXXX account.._ {$1000.00} dollars from a XXXX account..all funds should be released back to me..they give you a XXXX XXXX.. which no one picks up and is no longer a 24hr bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI sent me a letter dated XX/XX/XXXX, but it was not received until XX/XX/XXXX. I am enrolled in the USPS informed delivery which proves the date it was delivered. 10 days to receive an intrastate letter via USPS to a major city seems doubtful. Rather I suspect the company intentionally delays sending the letter to reduce the amount of time I have to dispute their claim ( which is an obvious mistake in itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First I must say the calls I getting is to fix credit card debts, I dont have a credit card and havent owned one is 33yrs. Ive explained this to the person call be he still calls. He calls from different numbers, its the same person and he has cursed me and has been harassing me for over a year. He calls all hours of the day over into the night, weekends and holidays. He will repeatedly call back to back. Please help me ... ..Im a XXXX yr old grandmother and its really getting on my nerves. Ive asked to be taken off the call list to no avail and I really believe hes getting a kick out of annoying me and other people. He says hes calling from Bank of America so I reached out to them and they say they didnt have anyone making such calls. When he call he will use numbers that has the same area code as mine. Help me please ... .. 
Desperately Yours, 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 2021-03-30
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Attempted to log into my account with the Pin number I was given but was unable to. The Pin number I entered said it was invalid although I attempted it 3-5 times ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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: Information belongs to someone else

Complaint:
i discovered numerous of account that reporting on my credit reports that do not belong to me, which means these account I did not open.

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 2021-02-22
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 am a victim of identity theft. All the companies have responded except XXXX XXXX XXXX. This account needs to be deleted from my credit report asap. It has been more than enough time for them to let me know what is going on and this is causing me great stress dealing with this and the storm that has me and my family without a place to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: HYUNDAI CAPITAL AMERICA
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:
XXXX XXXX XXXX incorrectly reporting an auto loan that has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
To whom it may concern my student loans that i paid off show up on my credit file on XX/XX/XXXX but not XX/XX/XXXX or equifax. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX card of my cousins i am a authorized user on that has still not been updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So called Experian Boost program doesnt seem to exist for me. 1-800 number is nonexistent

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 2018-07-10
Company: Ameritech Financial
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from the Federal Trade Commission regarding Ameritech Financial who I used to consolidate my student loans and start repayment. I am a XXXX student at the University XXXX XXXX  and wanted to get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness and according to the letter, my monthly payments do not go toward paying my student loans. I paid {$300.00} in XX/XX/2017 to initiate the repayment and then paid {$100.00} per month. Now I have to start over again.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-07
Company: Patient Accounting Service Center
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of a debt collection notice dated XX/XX/XXXX for the amount of {$340.00} being a XXXX XXXX bill from XXXX from ARstrat. This was previously sold to a different credit collection agency As mentioned to the previous debt collection agency, I do not have any knowledge of this amount. In XXXX my provider recommended lab services that I never authorized. When XXXX tried to call the provider, the provider had left the practice and there was no forwarding address. I did not give any authorization for these services and have informed XXXX XXXX many times. This amount is on my credit report fraudulently and should be removed. 

I do not have any knowledge of these charges and I am not responsible for these charges. I have never owed XXXX XXXX for any services and would like your office to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I contacted US Bank fraud department and they said they couldnt find the account and not to worry about it but I need to make sure that is the case. With the fraud that is happening at the XXXX XXXX I suspect this might be part of it.

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 2019-08-26
Company: Crown Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Day Knight & Associates, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with XXXX and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX  deleted it from my account in less than a month from my dispute. XXXX attests that Day Knight has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with XXXX, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are 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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted 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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off 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 explanation
Consumer complaint received 2019-08-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of refinancing my mortgage to lessen years of payment and drop PMI. My existing servicer, Lakeview, began sending me mail to refinance with them and it would be an easier process and they would beat any deal out there. I had a pending refi application that was due to expire on XX/XX/2019.

I decided to call Lakeview and see what they could do. On XX/XX/2019 I was assured I made the right decision to call Lakeview by a customer service representative. We worked up a great sounding loan over the phone as far as details went. He said I will get back to you in 24 hours to get additional information. I never heard from XXXX, instead I heard via mail a week later that my credit application was denied due to an incomplete application. In the meantime, XXXX did not respond to several emails from me. I called then on XX/XX/19 and was handed off by the first customer service rep to XXXX 's voicemail which hadn't helped me earlier that day when I called and left a voicemail. So I called back and go another rep he gave me XXXX 's manager 's number and I was told I should hear back within 24 hours, XXXX the manager is really good at getting back to people. Now it's Monday the XXXX and i feel this was all a ploy to get my application to expire with the other bank. I'm out of that refi application now and XXXX continues to not return any calls or emails yet has denied me based on an incomplete credit application? I'm not sure what is going on but this 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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THIS IS A NEW COMPLAINT! The prior complaint did not fix the issue. 
Please note according to the CFPB website it should have been one inquiry to my credit report and not 3 " hard hits '' under What effect will shopping for an auto loan have on my credit?

" When you apply for a loan and the lender checks your credit, a credit score is created for the lender. Depending on the credit scoring model used, generally any credit inquiries that took place within a 14 to 45-day time span will only count as one inquiry. So its a good idea to do your loan comparison shopping within a short time period to minimize any negative impact on your credit score. '' Since all three inquires happened on the same day. Please correct my report. Since I am unable to attach the report it is as follows : LOW IMPACT.

We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 


from XXXX XXXX What to know Good news! It's a temporary ding and scores usually bounce back in 3 months.

Plan ahead and minimize your hard inquiries at least 9-12 months before trying to get a mortgage or big loan. 





Inquiry details XXXX Na Inquiry from XX/XX/XXXX Bank + XXXX  Inquiry from Apr XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX I ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX. + XXXX XXXX XXXX + Credit Union This inquiry could stay on your report until XX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, TX 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