BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX has repeatedly made calls to my office extension during the month of XX/XX/2019. On Thursday, XX/XX/2019, XXXX XXXX XXXX made multiple calls to my extension. When they could not reach me on my direct line, they called the front desk and called other extensions. They also made harrassing calls to three of my co-workers on their personal cell phone ( not work related ). I never gave this company numbers of my co-workers. I did not even know my co-workers ' cell phone numbers, so there is no way that I gave this company their numbers as a reference. So that means that they had to breach the privacy of my co-workers to find their personal cell phone numbers. This is despicable and can not be legal! On Friday, XX/XX/2019, I emailed, faxed and mailed XXXX XXXX XXXX  a letter telling them to only contact me in writing.

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up 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 non-monetary relief
Consumer complaint received 2020-05-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XX/XX/XXXX, I entered into a credit agreement with XXXX credit card company for a 24 month period. The initial amount of the loan was {$18000.00} for an initial interest free period. The remaining balance in XX/XX/XXXX was {$6500.00}. At the end of the 24 month period an interest rate of {$6300.00} was applied. There was a reminder on the last statement that the date for the payment in full was XXXX XX/XX/XXXX, however, in the midst of the Covid pandemic ( with colleagues and childrens school impacted ) I did miss the deadline in the statement which I never opened. I have offered to make the XXXX balance payment in full 11 days late to avoid the exorbitant interest charges but Comenity bank are not willing to entertain it at all despite escalation. This seems very unlike all other institutions most of whom offer flexibility given the global pandemic we find ourselves in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions 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:
Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.

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 2018-04-26
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:
Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.

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 2019-04-15
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally. 

There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her. 

I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
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 changed my Bank of America credit card account to autopay. I was not told that there was insufficient time for autopay to cover the next payment. So unbeknownst to me, the next payment was delinquent and reported as such. Three to four calls to the company asking for this to be corrected in my credit report were to no avail. It is the only late payment I have had in several 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 explanation
Consumer complaint received 2021-02-04
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:
The following inquiries are fraudulent inquiries on my credit report made from identity theft. 

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 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

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 2022-10-05
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are charging me a amount I dont owe. I want to discuss this.

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 2022-08-11
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA 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 2018-04-26
Company: Experian Information Solutions Inc.
State: MO
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:
After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts XXXX did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/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 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/XXXX I started a secured card with Capital One with a deposit of {$500.00}. 
On XX/XX/XXXX I paid my balance in full and closed the Capital One account. 
Today it is XX/XX/XXXX and I have not yet received my {$500.00} deposit back. 
I have called Capital One three times, starting XX/XX/XXXX. On this first call I was told to call back again in a week to expedite the return of my deposit. On XX/XX/XXXX I called again and the representative acknowledged that I did have a {$500.00} credit and that the account was closed with XXXX balance. I was told that I would receive my security deposit back on XX/XX/XXXX or XX/XX/XXXX, deposited to my checking account. This did not happen. Today, XX/XX/XXXX I called again and was told by a robot that I had a {$500.00} credit and that I would receive this money in 60 to 90 days. At every contact I get a different story. On this call I asked for 'representative ' and got a human on the line. I explained the above and she told me that I did have a {$500.00} credit on my closed account but I takes two billing cycles to process. I pointed out that I has been two billing cycles but she said it wasn't because the cash I tendered on XX/XX/XXXX was not posted until XX/XX/XXXX. Her promise was I would receive a check in 7 to 10 days. Is this another lie?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to get the original signed documents from the original creditor for validation that the debt belongs to me as I have no knowledge of the account portfolio recovery says that they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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 on my credit report that I currently owe {$1700.00} dollars to one credit card company and two collection companies. They feel that this warrants a score of just XXXX points. Less than XXXX I allegedly owe and my score is XXXX. I'm going to give you a few examples of situations that contributed to how they determined such a low credit score on my report. 
On XX/XX/XXXX they dropped my score by 44 points because I had a collection account was closed and removed from my report. On XX/XX/XXXX they again decreased my score by 42 points this time for having a balance decrease by XXXX dollars. It didn't increase. The balance decreased and they dropped my score 42 points. On XX/XX/XXXX they dropped my score an additional 26 points when a collection account was added to my report but just ten days earlier I had a different collections account removed from my report and they only increased my credit score by 3 points. So they will drop my score 26 points if an account gets added but only increase my score by 3 points if I am able to have an account in collections removed.

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 2017-11-30
Company: ALLY FINANCIAL INC.
State: NY
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:
I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.

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 2020-05-05
Company: EQUIFAX, INC.
State: LA
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 pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$8700.00} DPT ED/XXXX XXXX {$15000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$9300.00} XXXX XXXX {$99.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian refuse to removed inaccurate information on my account. The only thing that they did was put a fraud alert on the account. I didn't receive any results of any kind.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}

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 2019-04-15
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with XXXX not knowing the interest being charged on the loan. I took out a loan for {$3000.00}, i have made 9 payments of {$390.00}, a total of {$3500.00}, the principle plus interest of {$510.00}!! Annual interest rate of $ 15.015 % a total of 24 pymts and will have paid {$6300.00} more than double the loan. I was not aware of this when I signed the loan. I feel I have paid the loan plus suffice interest and they should not be allowed to charge the interest they do and animadverting.

Company response to consumer: Closed with explanation