BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
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:
THE ACCOUNTS LISTED IN THIS COMPLAINT WAS OPEN UP FRAUDULENTLY THESE ACCOUNTS DO NO BELONG TO ME SOMEONE USE MY PERSONAL INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-08
Company: EQUIFAX, INC.
State: ID
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:
A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, XXXX, and Equifax and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Information belongs to someone else

Complaint:
My identity was stolen and numerous store accounts were set up in my name, under a different physical address. I was not aware of the theft until contacted by a collections agency. I filed a police report on the matter and notified the credit and collections agencies ; I also disputed the charges on my credit report, but these items remain as derogatory remarks on my credit rating.

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 2019-07-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter threatening to send my account to an attorney. The letter was demanding full payment without providing proof of debt owed. The letter threatend to garnish wages, bank account, and or seize property. 

My family ( Mother, Father, Spouse ) and I have been contacted by XXXX XXXX XXXX   many times and been threated with taking me to court if I do not respond within 24 hours. They have left messages on my phone which have frightened my children and my parents about a debt owed. Once these practices stopped I have received nothing until I received this letter by XXXX next day air with yet another threat to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS 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 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason, I've been trying to ask for help from their customer service, but they are always offline. I heard that I can file a report here because I think they are not doing their job properly. I desperately need my money for our everyday expenses. I hope you can help me with this matter. My email linked to my Paypal account is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was under forbearance agreement due to XXXX and it was ended by the end of XXXX with Citizens One Home loan. I did pay XXXX, XXXX, XXXX, XXXX, XXXX and XXXX during XXXX and XXXX. 
Citizens One reported me as 90 days late and this reduce my credit score by 120 points.

I was in the processing of refinancing my home loan with XXXX XXXX XXXX. XXXX XXXX XXXX asked Citizens one for payoff balance for over 6 weeks and they couldn't got the payoff balance from Citizens which caused more delay. I spoke with Citizens many times that I am in the middle of refinancing my house, but the didn't give us the payoff balance till the beginning of XXXX. All this delay impact my credit score and XXXX XXXX can't refinance my loan because my credit score is very low. my credit score dropped from XXXX to XXXX. I filed a complain with Citizens One and they said it will take 3 weeks to make a decision which it could be not fixing this issue. 
My loan number is XXXX. 
Could you help me to adjust and fix my credit score to be able my home loan. 
my wife and I are essential workers in the medical filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: MI
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:
This not a duplicate this a letter Demanding the CRA XXXX, Equifax and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, Equifax, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This not a duplicate this a letter Demanding the CRA XXXX, XXXX  and TRANSUNION that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s  your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, XXXX, TRANSUNION you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, XXXX, TRANSUNION and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.

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 2020-09-22
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resources is name of debt collection company who called and emailed several times after they were told numerously not to. Also blocked and then received spoof and neighboring-spoof calls right after.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: FIRST ADVANTAGE CORPORATION
State: AL
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: Old information reappears or never goes away

Complaint:
Things on my background check should not be pulled up after 7 years and it keeps on appearing I plead out to the charge back in XX/XX/XXXX and XX/XX/XXXX its been 14 years and it still showing up preventing me from jobs and things of that nature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. XXXX XXXX XXXX reported the account paid in full. Equifax reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR XXXX YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the Illinois Hardest Hit Fund program offered by IHDA. IHDA sent SUNTRUST a request in XXXX OF 2019 to verify all of the figures on my mortgage. This normally should take no MORE than 35 business days. 

It is now 3 months, and I do not have any answer from this lender. My file is sitting at IHDA collecting dust since Suntrust has not answered and seems to not know what they are doing. 

Can Suntrust please answer IHDA so I can get mortgage assistance. 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 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Information is 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 2019-07-10
Company: AES/PHEAA
State: PA
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:
On or about XX/XX/2019, I filed with StudentLoans.gov my yearly information for Income Base Repayment ( IBR ). All of my servicers of my Federal Stafford and equivalent loans accepted my information distributed to them by this process with the exception of AES. 

A brief history of my issues with AES includes a complaint filed with this Bureau last year which included my supposition that AES is perpetuating a fraud on borrowers by denying IBR so they may capitalize on the interest, make that part of the ongoing balance, and then charge more interest on the increasing balance by capitalizing the interest. This is a very sneaky and complicated process for them to capture more income from the interest. This needs to stop and eventually I was approved for IBR but only after they stated that they could not : '' walk back '' the capitalization due to banking regulations. 

Therefore, I am writing again this year to state that AES has denied my IBR due to being " not eligible '' although not explaining why this is the case. I pause here to state that NONE of my other student loan servicers had issue with my IBR application and approved it with no issues. However, I continue. 

I called AES, stated that the phone call was being recorded for quality assurance and they stated to me that they do not allow calls to be recorded but then stated that if I wanted to record the call that I needed to speak to a supervisor. After speaking to this supervisor, they stated to me the only thing they could do is request a review of the IBR application and file a forbearance application to allow my account not to be charged a late fee. The late fee would be assessed because their processing time for the request would be 10-15 business days which would put me past my due date. I requested the department 's number that could review and change my application status to approved and they refused to give me this information stating " I have done my best to resolve your issue and once you receive the more detailed explanation if you disagree you can call back ''. This is not helpful since that is what I did this time! 

Persuant to the IBR website I meet all criteria and my payment would be significantly lower than the payment AES is stating. I do not need to go into the epidemic that is student loans so I will suffice it to say that 3 out of 4 loan servicers had no issue with my IBR application and approved it. AES is the ONLY one that seems to have issue. They are doing this to capitalize and then charge more interest, simple as that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive been dealing with First federal credit control for YEARS now! They are Still reporting FOUR collection accounts on my credit report that should have never even been on my report to begin with! I had set up a payment plan with my doctors at university hospitals ( terms were I would pay {$30.00} each month ) but once the bills technically showed past 90 days they were reported to first federal credit control but they shouldnt have because, i was paying the {$30.00} each month and even have verification to prove this! I also have written verification from XXXX XXXX stating these accounts should have been deleted yet they arent and Im being lied too! Ive filed dispute letters with the 3 credit companies and first federal credit control! I spoke with XXXX XXXX via a recorded phone line on Thur. XX/XX/XXXX.. he informed that they did grant my request for all 4 collection accounts to be permanently deleted from my credit report and electronically filed that on XX/XX/XXXXto credit bureaus. YET all 4 are still being reported as of XX/XX/XXXX! Ever time I call its impossible to get through to anyone and am transferred to voicemails its such a joke, this company is a complete violation of basic consumer rights! Even when I do finally reach XXXX XXXX baxtor himself Im given complete attitude like Im annoying him, Im sorry Im sure he would feel the same way if he had 4 negative collection accounts on his report that shouldnt be there!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
After reviewing my credit report I observed Home Depot Credit Card has not reported this credit card on my daughters credit report to XXXX or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with XXXX, XXXX and XXXX. I am requesting for this credit card by Home Depot, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats 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 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After losing a personal business, I filed chapter XXXX and entered into a payment plan with capial one auto finance. As of XX/XX/2019 I paid off the auto as agreed. According to Capital one an additional {$940.00} was added to the loan, but I was never notified. Finally, more than 6 months after the chapter XXXX has ended capital one has added an additional {$10000.00} dollars to the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was issues the Bank of America government card for my unemployment. I certified 4 weeks of unemployment and every time I received an email from the department of labor stating that my funds were in my Bank of America card. I kept having a XXXX balance on my card until i finally got tired of waiting and changed my payment method to direct deposit. However I am still owed for those previous 4 weeks. I called Bank of America and no one picks up the calls. 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