BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 20 and 21 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-11-06
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I showed them the Bankruptcy info that this was included. The removed it from XXXX but Not 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 2021-11-06
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

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 2019-05-17
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Good Morning, I am writing in regards to my loan payments. I have been making payments since I graduated from college. On the review of my last payment, I realized there was an amount on there from the federal government indicating I owed money. 

In XXXX, I was unable to pay any money from my student loans, resulting in the defaulting and garnishment of my wages. I was fortunate enough to have the garnishment paid in full in XX/XX/XXXX and the garnishment was ended. 

In the current loans I am paying, there is an amount indicating I owe that is the same amount I had garnished from my wages. I have contacted FedLoan.Org on these occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During each call, I was passed around and had no resolution or research done to confirm my loan dispute. 

I have continued to pay my loans, even though I feel I do not owe part of the amount I continue to pay. 

In doing additional research, I contacted XXXX on XX/XX/XXXX and they redirected me to XXXX XXXX XXXX XXXX, as they state the loans that I paid off in XXXX were originally serviced by them. They provided me with a number ( XXXX ). This number they provided is no longer in service and there is not a contact to this servicing group who could assist me. 

I believe the review of this matter is important because I am a consistent payer on my accounts. I am of the belief part of my student loans have been duplicated, causing me to pay a loan that I have already paid off 3 years ago. Please provide any assistance where you can to help remedy this situation and adjust the amount that I am paying monthly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Complaint : Credit Balance Refund Repayment VISA Account : XXXX with Elan Financial Service, marketed as XXXX VISA and linked with my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX credit card business partner Elan Financial Services has ignored my specific written instructions, made pursuant to Regulation Z, to directly refund my credit balance to me. Instead, {$47000.00} was transferred to some other financial institution and is now missing. 

In my correspondence with Elan on XX/XX/XXXX, which Elan acknowledged the receipt of in its XX/XX/XXXX response, I stated that : Pursuant to 12 CFR Part 1026 ( 2 ) ( Regulation Z ), I hereby request in writing that the credit balance on my account be refunded to me. Subsection 2 requires : Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; As of XX/XX/XXXX, however, Elan has reduced my credit balance from my account but is now unable identify where these funds are. I am also unable to find any financial account of mine to which these funds have been credited. I have further contacted XXXX XXXX to resolve this, but they referred the matter to Elan. 
Since XX/XX/XXXX, I have spent more than several hours on multiple phone calls with Elan without any satisfaction. Most recently I was told by an Elan customer service representative they are researching the matter. 

In short, nearly {$48000.00} of my funds can not be accounted for by these firms. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md 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 non-monetary relief
Consumer complaint received 2019-05-17
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: Account status incorrect

Complaint:
After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: OR
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:
Call Experian on XX/XX/19 to find out why my credit score had dropped twice in the last two months. After speaking to an Experian representative to get a screen shot for this report I find that that screen is no longer available. It appears to me they use this tactic to frighten the user into going into their account to get them to either update their account to a paid subscription or entice them into applying for one of their credit card. I find this very underhanded.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
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:
Equifax has divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Navy Federal has locked my access to my account due to an attempted XXXX money transfer. Navy Federal staff refuses to try to verify my identity or to work with me to allow me to get access to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Omega RMS, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
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: Was not notified of investigation status or results

Complaint:
Transuion XXXX and XXXX have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help

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 2018-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX did not provide adequate verification for debt question. No documents were provided showing a contract or signature.

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 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information

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 2022-08-12
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021- I have placed several phone calls to this Clark County Collection Service, LLC, and never received a phone call back. 
I have written letters to have the company remove this debt from my credit report and to no avail, the debt is consistently staying on my report. I have disputed this debt with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Pinnacle Financial Group, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received a Bankruptcy discharge. Included in that Bankruptcy discharge was an auto loan, financed by Pinnacle Finance Company. I must add to this that I purchased the vehicle for {$14000.00} in XXXX with a {$5000.00} down payment, yet no matter how much I paid over two years my balance continued to rise. The larger issue is that upon receiving my Bankruptcy discharge, I DID NOT REAFFIRM the auto loan with Pinnacle Finance. Further, I never directly agreed to any terms and conditions with Pinnacle Finance as it relates to their internal policies or terms and conditions ; as this loan was transferred to them after I purchased my vehicle. 

Pinnacle Finance has not only acted unlawfully by ignoring my bankruptcy discharge and pursuing me for money I do not owe on the vehicle. They continue various forms of collection tactics, first and foremost by stating erroneous information regarding the status of the account on my credit bureau report. They insist I owe them monies when I DO NOT. The loan was discharged. Further, they are stating that the vehicle was repossessed and that is NOT FACTUAL. Last summer I contacted Pinnacle Finance and agreed to surrender the vehicle and asked them to please come and pick it up. Pinnacle neglected to pick up the vehicle until late XX/XX/XXXX. 

Pinnacle finance is reporting erroneous information to the credit bureau agencies and I have made multiple contacts with them to stop. They refuse. I do not owe them any money and the car was NOT repossessed it was surrendered after being discharged from Bankruptcy. 

They are breaking the law ; and they are not adhering to proper and lawful collection tactics. Their contact information is below : Address : XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX To contact me you may do so at : XXXX My home address is XXXX XXXX XXXX XXXX, MD XXXX My Phone number is XXXX FOR YOUR RECORDS I HAVE ATTACHED THE FOLLOWING : 1 - Bankruptcy Discharge 2 - Bankruptcy Final Decree 3 - CERTIFICATE OF NOTICE TO PINNACLE 4 - Schedule D showing secured property to include Pinnacle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
contacted Trans Union, XXXX and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.

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 2020-11-10
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE group has called me maybe 20 times in the last week about IRS debt collection for an old partnership that is inactive. I called the IRS to make sure there was nothing owed. They show it as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item RENTDEBT AUTOMATED COLLECTION ( XXXX XXXX XXXX XXXX, TN XXXX ) Allege Amount Owed {$3600.00} I have No knowledge of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, 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:
On XX/XX/2019, XXXX XXXX illegally accessed my credit report. Mr. XXXX is a Senior Loan Officer at XXXX XXXX XXXX. His NMLS number is XXXX. On XX/XX/2019 I was notified by XXXX   XXXX that a hard inquiry from XXXX XXXX , XXXX was listed on my credit reports with Equifax and XXXX. XXXX XXXX, XXXX is a third party reseller employed by XXXX XXXX XXXX. I immediately contacted Equifax, XXXX and XXXX XXXX to inform them that the inquiry was illegal and that I did not authorize any hard inquiry. I received a response from all three companies XXXX   removed the inquiry, Equifax requested that I contact XXXX XXXX XXXX, and XXXX XXXX informed me that XXXX XXXX initiated the inquiry but provided no proof or documentation. XXXX XXXX   falsely claimed in a letter to XXXX XXXX that they obtained my authorization via phone, which they did not. XXXX XXXX also provided no proof or documentation. More than 30 days have passed since my dispute, and XXXX XXXX, XXXX XXXX and Equifax have yet to provide verification or to remove this illegal inquiry, per federal law and as required by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX  ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED

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 2021-11-06
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX XX/XX/2021, I clicked advertisement on citibank official website, opened a Citi XXXX account package.The ads says Earn {$1500.00} bonus with minimum deposit $ XXXX. 

On XXXX XX/XX/2021, I deposited XXXX USD into saving account and kept money in the account until now ( XXXX XX/XX/2021 ). 

On XXXX XX/XX/2021, Citi chat repesetative told me I will be qualified for the bonus, bonus will show up in XXXX statement. 

On XXXX XX/XX/2021, two Citi XXXX  call center agents told me I will not be able to qualify for the bonus, since they can not find promo code with my original application. 

My request is, Citi give me {$1500.00} sign up bonus. 

Appendix A : The chat history with citi repesentive, it proves I know the promotion on XX/XX/XXXX, also, XX/XX/XXXX, Citi confirmed I will get bous. 

Appendix B : When clicking the Ads to create new account, there is no way to enter or verify promo code by customer, the promo code is associated by Citi system, So, in case of missing promo code, it should be Citi 's system error, instead of Customer missing an action.

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