BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered today and last week that when calling TransUnion or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a TransUnion employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-08-11
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/XXXX I applued to XXXX XXXX in the attempt of builing my credit .The adverse action I was denied accordibg to correspondance from XXXX XXXX .no credit report found. Reporting agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX When i attempt to request my report. It has not ever alliowed me onlune when I attempt to call a request it want sll my idendification. 
With agressive I D theft and all credit agency have alrered comprimiswd my identuty. My attempt tovretrive mu user name its incorrect ( the email gave me user XXXXXXXX XXXX XXXX XXXX  when I updated it almost a year ago to XXXX XXXXthe last credit report I was able to hiew was XX/XX/XXXX based on coass action im supposed to receive credit wors I do not. And now it says Sorry your credit report can not be viewes because the details may be inncorrect XXXX.7 years later And i still receive the same answer. Nothing from XXXX my allegatuon they are organized with colkar crimes i have reports from XXXX and all tge frayd on all three reoorts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have vehicle loan with CitizensOne. The vehicle was traded on XX/XX/19. The dealership submitted a check for the 20 day payoff that they received from CitizensOne by phone. They sent that check on XX/XX/19 and confirmed via overnight tracking that it was received on XX/XX/19. CitizensOne also confirmed that they received this on XX/XX/19. They have been unable to accurately process the payoff. They took 11 days from the date received. To apply the payoff check and then assessed more interest. As a result the account will not close. I have called multiple times each week. Have a case open with their customer service department and if goes nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
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:
I trying to talk to them regarding the fees and interest fee so they can lower it down so I can paid off but they dont want it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian keeps listing my XXXX XXXX account as over the limit. XXXX XXXX has no credit limit on their cards. The balance is paid and due monthly. Experian is aware of this and additionally I have disputed this several times to no avail. The effect is a lower credit score and negative remarks on my 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 2017-08-11
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2017 I refinanced my home thru New Penn Financial, my contact XXXX XXXX told me that because my income verification did NOT match what I had submitted that I would be required to pay off my two credit cards. The first was with XXXX XXXX XXXX for about {$2400.00}. The second was an XXXX credit card with XXXX in the amount of {$560.00}. New Penn said that I would have to borrow more money to pay these off and that they would provide me with 2 checks to do so. The first check for XXXX was for the exact amount and went thru no problem, the second check was made out to XXXX for over the amount and when I went to pay the clerk informed me that they were not able to complete the transaction because the check was for more than was owed and my name was not on the check. I emailed XXXX XXXX at XXXXXXXXXXXX and text her at XXXX. I gave her the exact amount due and she told me that she would get back to me. I never heard back and have begun to receive bills from XXXX for the credit card. With late fees and interest charges the total due is now {$780.00}. I have tried to call XXXX XXXX and her immediate supervisor and left voice messages with both of them and emailed XXXX at her email address and have received no replies. As this affects my credit score it needs to be resolved ASAP. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover card opened in my name. Discover called me on XX/XX/2019 concerning 'suspicious ' charges. I told them I did not open account, did not want card and close it. They said additional card issued in my daughters name. I told them I did not approve and close it. I would check with my daughter. I called numerous times over the next few months. Card was closed and new one reissued. Discover allowed over {$9000.00} to be charged after they were told multiple times I did not open this account, did not want it and close it. I have filed paperwork and called to have it closed. Discover is now calling me up to 10 times daily and harassing me. They say I knew about the card so I am responsible. The same conversation I found out about the account they were told to close it. When balance was about {$4500.00} I finally got it closed and they opened a new account. I have not made one charge on this Discover card. I never received a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX  XXXX {$950.00}

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 2018-09-20
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX charge card opened in XXXX. I had financial problems as the Real Estate market is unpredictable and I'm a XXXX. I was making payments to XXXX XXXX in XXXX of {$75.00} dollars I missed a few payments after about 6 months they sold my account off to XXXX who in turn sold it to Lustig, Glaser & Wilson.  This Attorney has not been agreeably to settling the first time I asked them they filed a judgement against me while I was trying to save my home from Foreclosure, make car payments and health insurance payments all on a XXXX XXXX salary & my XXXX  job. I told them I had XXXX kids they didn't care we had to go on food stamps for a short time as well do to my wife having XXXX. I missed a court date and than I had to show up at the 2nd one and this Lawyer just does not want to work with me he just sent out paper work asking me to do a profit and loss for him so he can continue to try and harass me is the wrong amount and XXXX XXXX did not take off any of my payments they continued to charge a late fee even though I asked them to close the account. My youngest daughter was just in XXXX XXXX XXXX for 12 days due to her XXXX XXXX and we have to take her back for the next couple weeks to test her blood to make sure her white blood count goes back to normal as the XXXX could not remove all the toxins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: KY
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached

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 2021-02-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened my lease with XXXX XX/XX/XXXX and initially had set up my payments to be drafted by Honda from my XXXX XXXX bank account. In XX/XX/XXXX I submitted a change to have Honda draft my payments from my XXXX  XXXX XXXX account. I started getting payment reversal letters but not understanding why because my account had the funds for the payments to be drafted. I called XXXX and no one could seem to explain to me what the problem was. As a result of this XXXX started assessing late payments too. Today, I called XXXX  XXXX XXXX to try to get to the bottom of this and the customer service person I spoke to said they did not see any attempts from XXXX to draft my payment from my bank account so I do not understand why XXXX was reversing the payments I was scheduling to be made nor do I understand how they can assess late charges to my account and in XX/XX/XXXX reported my account delinquent to the credit bureaus. I ended up having to schedule a payment from my XXXX XXXX account. My account is current however it should have never not been. I don't know the inner workings of XXXX 's auto draft system or if it had a glitch but you can see from the transaction history I was scheduling my payments to be made on-time. I called XXXX today to see if they could explain why they were reversing my payments without ever attempting to auto draft from my account and they could not explain this to me. When I asked about them reporting me late when I had scheduled the payments on-time to be auto drafted by XXXX the customer service person refused to provide a letter to remove the delinquency reporting and so now I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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:
This is based on Equifax : My name is XXXX XXXX XXXX. 

But someone used it as XXXX XXXX & XXXX XXXX Most of the credit cards and a major car loan, is not mine. 

I only have 1 car loan from XXXX XXXX XXXX and 1 credit card from XXXX XXXX, ALL else are incorrect information. 

I only have 2 major hard inquries which is from the XXXX XXXX and XXXX XXXX. 

The details from my XXXX is accurate while Equifax is way inaccurate. They probably used my sister 's social security number or had a typo that combined both of us. Again, I only have 1 car loan from XXXX and 1 Credit Card from XXXX XXXX, ALL else is from my sister ; XXXX XXXX. I asked her about it and she had no idea on why did this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Experian is a terrible awful company and that includes all the XXXX you read on the internet I looked into it a little bit I can explain all about it later. first I'd rather get a response. 
In short I've talked to customer service with Experian and this is not just about problems with their customer service this is about problems with their advertising and ads as well as their customer service which means that if those two are a problem that I'm reporting on this is a major deception of the consumer. Fake people and downsizing to cut costs, but then adding on top of that horrendous customer service... I mean you would think there's a bunch of whores they picked up from a gutter and said here have a job. Then told them to design a world-class phone automated system and have everybody have the exact same accent and voice as everyone else whenever I call and reach customer service. It's amazing how many different XXXX 's and XXXX 's and XXXX 's sound exactly like this one XXXX that I heard one time calling. I think that there's not only a bunch of different people frauding as one I think it's one person being forced to fraud as many. They're never XXXX and it's nothing but a bunch Oriental or XXXX people who always answer the phone and I mean the exact same dialect the exact same speech patterns everything about him is the same except for the name that they give you each time. 
I promise if you were to put it tape recorder to that you would not just find her identical twin sister you would find that in some way lying to the public and giving a false name to the public that's enough of it own problem. So what if it's meant to protect the employee that's not what they need to worry about. They need to worry about defrauding the public. Which is what happens when you're 96 % to a person or company 's credit card for instance, but you're denied like I was twice which had a double hit on my credit score because there are flaws in the system. RESPOND please. I don't want this taken under consideration I want this handled. Someone helped my credit score get low enough to where it wouldn't be accepted and then all of a sudden it dropped like a rock. That's what happens to a mentally XXXX person in California.

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 2020-09-07
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the  government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however  they purposely seem to be making that proposition difficult.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XX/XX/2022 off my report or provide proof in writing within 30 days

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 2021-02-06
Company: Experian Information Solutions Inc.
State: FL
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:
Almost every day, a collections agency keeps reporting the same wrong collections to Experian and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power XXXX XXXX XXXX which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.

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 2020-09-07
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recently I took out an XXXX personal loan with this company. I have tried to tell them XXXX is too much to pay each month. They don't seem to want to compromise such as a smaller payment over more time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In regards to the two XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} XXXX : {$7800.00} - {$460.00}

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 2019-02-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Here I am back again regarding my account from Synchrony Bank. Again as the previous complaints my account was closed due to returned ACH payment. I again had to get another letter from XXXX XXXX   because the return again was not an error that I did it again was on the banks side. I am no longer a customer with XXXX XXXX because they have caused so much havoc in my life. But, I again forwarded this letter to Synchrony and they have done nothing with the letter except for telling me that the account was closed because the account was over the limit and the NSF payment. My account would not have been over the limit if the bank would not have returned the payment. I have paid the {$130.00} so the account is not over the limit.

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