BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX | XX/XX/XXXXXXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the most recent complaint and response, the company gave an explanation of debt and attached several documents to include a lease and a disposition of security deposit statement. My complaint revolved around an unsubstantiated charge for parts, which was listed under the name XXXX. The company 's response was that " XXXX '' was for utility charges ; out of all the documents that was submitted in their complaint response, their was no billing statement with regards to the claimed utility charge. Every month each tenant was given a billing statement of charges before any amount was asked to be paid. My request is that this company produce that statement to justify the claimed utility charge.

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 2020-10-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A debt validation letter was sent to NAVY FEDERAL CREDIT UNION with regard to a credit card debt in the amount of XXXX on XX/XX/2020 asking for documentation to validate the debt. What was sent to me was just a statement not a invoice of actual accounting, along with a statement stating that after there investigation that the debt was shown valid and that i needed to talk to the credit agencies about this matter. upon looking at my credit report it was observed a statement on this account that states " Account closed by credit grantor, account previously in dispute, now resolved by data furnisher ''. an investigation was not requested only the correct documentation with regard to this debt to prove that there is an actual contract and if full disclosure was granted to me upon signing of any credit agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX  XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 2020-09-03
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:
Experian and XXXX are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2022-08-06
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2020-05-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For some odd reason my XXXX score keeps going down with Experian. It dropped XXXX points and Im not even using any of my credit or had my credit ran for any reason but my score keeps dropping after all I did to pay it off to have it in a proper place. 
There is no reason for my score to drop. And being that I filed a complaint against them in the past I think that this is their way of punishing me for that. Because there is absolutely no reason for my score to decrease

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX   with proof of payment and mailing on XX/XX/XXXX. This debt is reported by XXXX  # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call XXXX using the number that TransUnion Credit Services provided with no success. I called and complained to TransUnion with no success. I finally wrote to XXXX on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. TransUnion continues to report this false information as ADVERSE ACCOUNTS 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 2020-10-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent multiple letters with certified tracking asking the credit bureau to remove Un verified 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 2020-10-25
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
NAVY FEDERAL IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Have had a Citibank Credit Card since 1982 and I was charged high-interest rates. I should be illegible for a refund however, I have not received 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 2017-08-08
Company: Main Street Personal Finance
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated

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 2021-03-28
Company: WELLS FARGO & COMPANY
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:
WF XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.

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 2020-07-29
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I previously filed bankruptcy, and reaffirmed my mortgage loan through U.S. Bank and kept the mortgage. Now, the bankruptcy case is closed but U.S. Bank is refusing to ever report the loan again, despite a representative from U.S. Bank signing the reaffirmation agreement to keep the loan, which officially REMOVED the account from bankruptcy and the bankruptcy case being closed.

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 2020-11-19
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I acquired a credit card from XXXX ( XXXX ) two weeks ago to make a down payment on a XXXX timeshare. This card was recommended to me by XXXX during the sales process. Earlier this week, I received paperwork in the mail for my " XXXX XXXX XXXX XXXX '' with my account information and instructions for how to pay online. However, when I try to create my account online using the directions provided, I keep receiving an error message stating " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' I called the company yesterday and an employee had me walk through a couple of troubleshooting steps. After putting me on hold, they came back and told me there is a known issue with the website and to try again later in the day. I have now tried at least 20 times, both yesterday and today with no luck. I would like to pay my card in full, but their technical issue is preventing me from doing so timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5.XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I HAVE CONTACTED MIDLAND CREDIT MANAGEMENT TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXXTHIS ACCOUNT ORIGINAL CREDITOR WAS XXXX, XXXXTHE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Convergent Resources, Inc.
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:
A letter sent to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Amount Owed : {$630.00}, Dated XX/XX/2020, Creditor : XXXX, Client Account # XXXX, Letter Sent by : Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX, Phone : XXXX www.payconvergent.com. I called Convergent on XX/XX/2020 at XXXX XXXX. ( MST ) to speak with them regarding this bill. 

I called Convergent and spoke with XXXX XXXX, debt collector and XXXX XXXX, XXXX. XXXX said they are calling from XXXX ( didn't get the street name ), XXXX, MI, XXXX XXXX XXXX XXXX. I told her I don't have a XXXX Account and didn't know why I received a bill from Convergent. They wanted my full name so I told them.They also wanted the last 4 digits of my Social Security # and I got scared and upset so I hung up the phone. She also asked me if I wanted to do any future business with XXXX. I was then totally confused because I'm not sure why she would ask me this question? I repeatedly told her I never had a XXXX account! SCAMMER! They are trying to get money for a service I never used.

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 2020-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.

Company response to consumer: Closed with explanation