BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several fraudulent hard inquiries on my credit profile CAPITAL ONE XX/XX/2021 XXXX  XXXX XXXX # XXXX CAPITAL ONE BANK USA XXXX XXXX - XXXX CAPITAL ONE BANK USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: OUT TECH, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX where I was receiving therapy. I had only 2 or 3 sessions. All services provided at start of treatment was {$10.00} copay which was paid before services were rendered at each session. Paid using XXXX XXXX  XXXX. I have no clue what these charges are and they are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: AR
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:
Here are all of the hard inquiries that I did not authorize due to id 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Im reaching out because on the dates of XX/XX/19, I formally tried disputing fraudulent accounts directly with TRANSUNION in removing them from my credit profile. They were initially provided with documentation of a police report and an affidavit to report the identity theft. TRANSUNION followed up with my results in removing the accounts ( which the correspondence I received in the mail from their company is attached ). 

On XX/XX/19, I checked my credit report to learn they re-inserted XXXX  XXXX XXXX without any notice. This has caused nothing but stress and I feel they are working with XXXX  XXXX XXXX in still continuing to destroy my identity. Transunion failed to notify me within 5-day which is an automatic FCRA violation of them not properly handing my credit file.

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 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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. OF EDUCATION/GL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX  COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXT # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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 2018-04-13
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently noticed an inquiry on my account by credco, which I have never heard of, I checked my open accounts and haven't noticed any fraud, but I do not know who the company is, but I hope they don't run my credit again.

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 2020-07-08
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance Failed to give me proper validation of this debt. They stated they do not have any account under my information. If there is no account ; why are they furnishing it on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXXXXXX 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 XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-02
Company: Consumer Real Estate Finance Co.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a FHA mortgage back on XX/XX/2018. I was pre-approved for a {$300000.00} limit with XXXX % down. My wife and I found a home, made and offer, and it was accepted on XX/XX/2018. The closing for the property was accepted by both parties to be XX/XX/2018. The loan was then turned offer to the processing department where we turned over all our private documentations, IE : tax returns, ban accounts, identification, etc. The process was then turned over to underwriting after all required documents where accepted. This is where the loan process began to stall and take much longer that it should have. After turning over all our required documentation, the underwriters kept asking for numerous more documentation on taxes, income, employment verification, copies of checks, etc., whic in turn kept pushing back the approval process and not being able to make the XX/XX/XXXX closing. We signed a one week extension to the contract for the purpose of getting loan approval through underwriting. The underwriter continued to ask for documents that where already submitted multiple times and additional documents that where never asked for earlier in the process. This made us miss the extension of the contract. The seller decided to cancel the contract because we could not get to the closing table in an adequate time. To this date we still do not have a closing, we lost the house, and the seller refuses to work with us any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Global Lending Services LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I retrieved a copy of my credit report from XXXX and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX and I had worked out a payment arrangement due to divorce and I was not living at the residence at the time the phone was being used and bill was getting over limit ( s ). 
Contacted FCC, XX/XX/2019, regarding matter about them not turning on my phone after I had already paid over {$150.00}. Complaint sent to FCC in XXXX. 
Fee responded, etc. XXXX explained I would not be able to have phone turned on until I " applied '' again and I would incur a fee due to past history. 
XX/XX/2019 received a call from Eastern Account Service, LLc asking if I was XXXX XXXX, I stated yes, ( they called private cell # ), they explained who they were and asked me to give them personal information. I said not going to do this, and send written notification to my address. They asked me to verify my address. I also refused. 

XX/XX/2019, I have Eastern account listed on my credit report. I HAVE NEVER RECEIVED ANYTHIGN FROM THEM. I am paying XXXX {$25.00} each pay check and paid them in XX/XX/2019, My bill owedis {$50.00}. 

I have sent complaint to FCC as well for fraudulent collection practices. After contacting a law firm that is suing Eastern for this very type of practice. 

On XX/XX/XXXX, I called XXXX  to file complaint. At XXXX that afternoon, my mail had a letter from Eastern stating that they had sent me something 30 days ago and I FAILED TO RESPOND. 

I AM DIVORCED, I HAVE BAD DETS DUE TO THIS divorce. I am diligent about my outstanding debts, etc. I have a payment arrangement with XXXX. I am contacting an attorney to sue both XXXX and Eastern for bad faith on XXXX and fraudulence on Eastern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-04-13
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment being XX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and XXXX refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.

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 2019-03-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in 2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.

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 2019-11-04
Company: Experian Information Solutions Inc.
State: IL
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:
inaccurate information on my report unknown names and address this is preventing me form getting job and place to live. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, Wi XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL ( 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 , VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH 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 2018-04-13
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: Old information reappears or never goes away

Complaint:
I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment beingXX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and transunion refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.

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 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Credit Card through Costco * Debt originated from automatic annual Costco membership fee of {$55.00} * Attempted to close this account since XX/XX/XXXX, as his Attorney in Fact. 
Capital One refused to accept my valid Power of Attorney ( Attorney in Fact ), along with my valid, current drivers license for identification, even though it was faxed, mailed and emailed to them multiple times. 
Capital One would not discuss the account with me or my attorney. 
* The referenced debt is indeed invalid and is comprised ONLY of late fees and interest Costco eventually refunded the membership fee to me. 
I sent Capital One the {$55.00} owed to them. They promised to reverse the interest and late fees, but have not done so. 
Capital One sold the account to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
My Fear is the submission of a lien against the Estate collect this false debt. 


I am enclosing the following additional documentation : Enclosure 1 : A copy of your letter to XXXX dated XX/XX/XXXX. 
Enclosure 2 : A copy of Capital One letter requesting my personal data dated XXXX. 
Enclosure 3 : A chronological summary of events covering the last year of dealing with Capital One Enclosure 4 : A chronological copy ( newest to oldest ) of faxes sent to Capital One. 
Enclosure 5 : A copy of my Power of Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
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:
XXXX XXXX, XXXX, and XXXX do not provide adequate communication and information regarding loan payments.

I was making payments -- never missed any -- to XXXX  when the service switched to XXXX XXXX. I've received exactly one email regarding the switch but had reasonable basis to doubt the legitimacy of the email because I visited XXXX and saw that the website now belongs to XXXX, and the content of the website mentioned absolutely nothing about XXXX XXXX. Therefore, I did not want to provide personal information to XXXX XXXX at the time due to this lack of conviction.

I did not know what happened to XXXX, and could not make payments because my auto payments were completely stopped. Hence the start of delinquent payments. I do not believe that the responsibility of this delinquency falls completely upon myself, but rather on XXXX XXXX  and former XXXX  as well due to little or no communication.

XXXX XXXX or former XXXX, did not handle communication properly by informing payees to change address, or at least email/call them to notify of delinquent payments. I live and rent at another address and was not given any opportunity to update my address. I would do so if I knew XXXX XXXX  does not offer paperless communication. I finally received a physical statement of my balance due ( in horror ) when I return to my home address that I do not visit frequently. If XXXX XXXX XXXX goal is to collect payment, why hasn't it expanded the scope of communication to its payees? Unless this is an intentional and unethical tactic employed by the business to collect more on fees and interest of delinquent amounts.

I will take responsibility on my part that I have not reached out to see why my payment to XXXX  have stopped. Therefore, when I receive the delinquent notice, I accept to pay the full amount which include late fees.

When I tried logging into XXXX XXXX, I could not click on " Make a Payment. '' The button was grayed out and when I tried using Guest Payment, it kept saying my account number is valid when I have confirmed it to be correct many times. At this point, I feel that XXXX XXXX is making it difficult for its members to make any payment, and therefore even prolong the delinquency.

And that is why I am filing the complaint now. I have no problem using XXXX XXXX, never have missed a payment there, and can prove that this delinquency is not intentional with my strong credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: BTH Management
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have a payday loan on my account that I did not request. I have talked to the company before about this but they are leaving me liable for it. I do not know what to do at this point but I do not think it is fair that I am on the hook for this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bull City Financial Solutions, Inc
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:
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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:
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several fraudulent hard inquiries on my credit report : 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 explanation
Consumer complaint received 2018-09-30
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The option I chose was the best one I could. I cancelled my insurance policy and there was an attempt to charge me the remaining amount on my premium {$430.00}. Any car insurance company I have had where I have cancelled it before my insurance policy was up never had me pay the remaining premium. I currently have XXXX  and I have brought this up with them and they have not responded back to me. I have disputed this with all 3 bureaus but XXXX  has still kept this error on there.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation