BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
WHAT IS XXXX CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assista

nce of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result. WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT
BUREAUS ( TRANSUNION, XXXX, AND XXXX  )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.

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 2020-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was a co signer to this loan and when I was notified that my uncle had stopped giving out payments I ask this bank to please repossess the car and i would take the payments over since my uncle was denying to give me the truck for my possession I had asked the financial company to locate and take tha vehicle for me and I would take possession of the vehicle and take over the payments for the remainder of the loan and they had agreed and next time I got a call letting me know the vehicle got sold at auction with out me having a chance to take possession of the car and take over payments I called and complaint about it several times I asked them to pull the recorded conversations they had with me to listen to out agreement and they had denied please help me get this removed from my credit because the creditor failed to comply and give me a chance to remediate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Please remove.

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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been a victim of identity theft, inquiries towards my credit have been made in my name so, I'm requesting this information to be removed from my credit report in accordance with the FCRA section 604 and section 605 ( b ) .This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee inquiries, an FTC Report has been filed, it will be attached to this complaint.

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 2020-08-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I hold three accounts with Synchrony Bank : Paypal Credit CareCredit Amazon.com Store Card All three accounts are in default/collections. While the phone calls to me are within the bounds of the law under the FDCPA and the TCPA, they have begun calling family members multiple times a day utilizing robocallers to ask for me. They are improperly contacting and sharing information with my sister-in-law. They are also potentially using spoofed phone numbers in order to not be trackable.

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 2021-01-20
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2021 I received a US Bank ReliaCard in the mail. It came with the correct last name, but misspelled first name. I never applied for an unemployment card seeing i am currently employed and have been for the last 7 years. I read that there was a scam out on these cards and I want to get to deactivated. Neither your customer service line or the company are taking calls. Every time I call I either get no response or it says it is outside of office hours, even though it is clearly not. At this point I just want it to be handle.

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 2020-06-27
Company: Avant Credit Corporation
State: AR
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:
FILE SUIT AGAINST AVANTCREDIT SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE AVANTCREDIT LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: GA
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:
Hi Equifax keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Risecredit, LLC
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:
XX/XX/XXXX XXXX was opened XX/XX/XXXX was last reported balance over XXXX $ Called company RiSE Credit today XX/XX/XXXX they said to file report with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One bank has submitted false information to all three credit bureaus under my name. I have contacted Capital One numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from Capital One. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

XXXX also has a Capital one account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

XXXX  also had a Capital one account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a Capital One account. Capital One has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of Capital One 's lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had some assistance lowering my payments with AES. I fell that my loan should be forgiven. I have paid on it consistently. I do not have a big-money job. I have recently been diagnosed with XXXX or the XXXX in my XXXX. I will most likely go on XXXX, as I can not perform the tasks that my job requires. I have been working with the TN Department of Human Services-Family Assistance for 14 years. no loan forgiveness because no one told me that my loans were not consolidated correctly for that program. I am going through a divorce and will most likely have to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: NC
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:
Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Revco Management, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I continue to dispute the address on XXXX XXXX. I loved at XXXX XXXX XXXX NOT XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: MS
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:
As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my Experian Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my Credit File { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a six month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to Equifax and XXXX XXXX XXXX XXXX for a HEADS UP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX i mailed off an letter stating that they were reporting incorrect information. it had the wrong name spelling and alot of addresses that ive never lived in or been associated with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2019-09-16
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
Since XXXX I have been fighting with XXXX to remove a fraudulent account from credit acceptance Corp. I took them to court in XXXX and I won the case as they were UNABLE to verify this account! So originally it was on all three bureaus but XXXX an XXXX did remove but XXXX keeps saying that they have verified this account and IT IS mines! But that is NOT possible as I not only took them to court but that also had been garnishing my check and ended up having to refund all of my money that they stole from me! So please help me I have requested the verified info XXXX told me they do not physically verify they take the creditors word an thats ridiculous because I need to know what they are using to get XXXX to keep fraudulently reporting this account it is really hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX is reporting a collection account that does not belong to me. There was no investigation by the credit reporting agencies to confirm this account. XXXX XXXX XXXX has not furnished any documents proving this account belongs to me.

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 2019-09-16
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Chrysler Capital restricts payments to {$2000.00} or less per day on their online system. This prevents consumers from paying off their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Merchants and Medical Credit Corporation, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX  PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020 i received a letter from my employer " XXXX  XXXX XXXX XXXX '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of James R. Vaughn. I only found out about the garnishment from XXXX XXXX XXXX XXXX XXXX stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for XXXX  XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX XXXX. XXXX  agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX  to discus why I was ambushed like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
on XXXX XXXX I opened disputes of debt validation with all XXXX credit reporting agencies. XXXX XXXX, and Transunion. XXXX XXXX XXXX have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, Transunion and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.

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 2019-03-25
Company: DISCOVER BANK
State: FL
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:
Hello, my name Is XXXX XXXX XXXX was thinking about opening up a credit card account with Discover and apparently someone used my name and social to sign up for a secured card. I was referred to this website from a professional in credit repair solutions to avoid any more consequences of this fraudulent activity. 

It really is inconvenient for someone to try and build their credit and come to find that others were using their private information. I need help finding a solution to my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 i sent a letter requesting to verify this debt thats supposedly owed. This company has not sent me any information regarding my request.

Company response to consumer: Closed with explanation