BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
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 status incorrect

Complaint:
i contacted transunion recently informing them of the information below provided to the CFPB by the company XXXX XXXXXXXX XXXX XXXX Company 's Response Please be advised that XXXX  XXXX XXXX XXXX has closed this account in our office. We will submit a request to the credit bureaus to have this account removed from the consumers credit report. Please allow at least 30 days for the removal to reflect on the consumers credit report. Thank you, XXXX XXXX XXXX XXXX XXXX 

complaint ID with CFPB : XXXX I then requested transunion to delete this information from my consumer credit profile but they refused to delete it. 

item to be deleted is : XXXX XXXXXXXX XXXX XXXX {$2000.00} - - - Address XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$2000.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2000.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

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 2021-08-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a capital one business credit card. I paid the balance off in XX/XX/XXXX to a XXXX balance .I did not receive a statement from capital one. I checked my credit in XX/XX/XXXX and discovered that capital one reported a 60 day late charge. On XX/XX/XXXX I called capital one. I was told that since my email was not opened from them regarding statements they discontinued sending paperless statements .They wo n't send a statement in the mail if I signed up for paperless. I advised them I have not been late on a payment before and if I am not informed of a balance by statement the bill will go unpaid. The charge was a revolving $ XXXX daycare that should have been discontinued. Due to not receiving a invoice paperless and it not defaulting to the mail I was not aware of a balance and it dinged my credit XXXX points and more than {$250.00} in late fees. I spoke to a rep and a supervisor and account manager and was told by Capital one they do n't send an invoice if the email goes unopened for a period of time. I asked them why they would not call me or send it the mail and They could not provide me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Phoenix Financial Services LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving harassing phone calls from Phoenix Financial. When I called back after a missed call today to find out who they were, they didn't identify themselves as a business, wouldn't tell me who they were, and stated they've been calling me for over a year so I should know who they are. The representative who I think was named XXXX XXXX, then hung up on me. I called back a second time and reached a XXXX who when ask, said he was with Phoenix. When I ask why they were calling he told me I called him and ask if we were going to play around on the phone, and this was an inbound line. He then also hung up on me. These collection practices are outrageous and the way i was treated is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an Essential Checking account at Fifth Third bank in XXXX, NC on XX/XX/XXXX There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I made $XXXX initial deposit on XX/XX/XXXX, and then I transferred $XXXX from other account to this account onXX/XX/XXXXXX/XX/XXXX After that I moved $XXXX out of this account on XX/XX/XXXX. On XX/XX/XXXX, I received $XXXX direct deposit and I kept the account balance above $500 for more than 60 days. I have contacted the bank 3 times,XX/XX/XXXX andXX/XX/XXXX but the problem was not solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Thank you for the many corrections you made in credit report XXXX. IRS verified identity theft necessitates 8 matters requiring resolution : 1. Delete XXXX and replace with XXXX 2. XXXX XXXX/XXXX was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 3. XXXX XXXX/XXXX  was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 4. XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 5. TransUnion Interactive IN was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 6. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 7. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 8. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report Please reference attached .pdf 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 2021-08-16
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 status incorrect

Complaint:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry 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 2021-08-16
Company: KEYCORP
State: NJ
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:
Private Lender Keybank made 4 XXXX XXXX private loans from XXXX thru XXXX. I made payments timely payments for 18 years until becoming unemployed and requested forbearance and deferments through XXXX XXXX XXXX ( loan servicer ). XXXX denied the request and referred the matter to the original lender Keybank after 6 missed payments. Keybank refused to grant temporary deferment or forbearance and charged off all 4 loans.

Keybank and their collection agency ( XXXX  ) in the attachments provided, sent further collection letters to another employer and this caused my employer to terminate the employment in XX/XX/XXXX. 

Now I am offered terrific new employment, however, the negative credit reporting is delaying my employment start date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022, a letter was sent to me from XXXX XXXX  indicating that the bank had used a so called " credit score '' of XXXX from XXXX XXXX XXXX erroneously. XXXX XXXX XXXX, a subsidiary of XXXX, is NOT a credit reporting agency but a consumer reporting agency. Thus Ally Bank used a low score of XXXX from XXXX, XXXX XXXX XXXX XXXX of the factors leading to the denial of my loan request on XX/XX/2022. 
Ally Bank in black and white wrote, " Information about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision ''. etc. This is wrong! An injustice and misappropriation of a consumer report that has nothing to do with a credit report that determines the credit/spending/earning power of the applicant. Once again, it is merely a " consumer report '' with insurance information and residencies ; absolutely nothing about spending habits.

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 2019-03-01
Company: AES/PHEAA
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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX ( XXXX ) confirmed my XXXX XXXX Student payment in the amount of XXXX  $ and sent me an email stating the payment was successful. XXXX XXXX then mistakenly tried to use a 5 year old ( closed ) checking account to make that payment which did not go through and never sent me an email notifying my of a problem. 

On XX/XX/XXXX XXXX XXXX reported all 14 of my combined XXXX loans tied to my single account as late dropping my credit score 200 points. I have not been reported late in 7 years of payments until now. 

On XXXX I contacted XXXX XXXX  and was granted Retroactive Forbearance for the issue, but not explanation of what caused the issue and no explanation of why I received an email confirming the payment was made but no email notifying me it was rejected later. 

On XX/XX/XXXX XXXX XXXX denied my request to remove the late report on my credit report and gave me no explanation to why or addressed my claims. 

I am requesting help with getting this one issue removed from my credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have XXXX late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world

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 2019-09-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I signed up for XXXX XXXX ( XXXX  ), an XXXX/phone provider, around XX/XX/XXXX. Though I only provided them with the last 4 digits of my SSN and never the full number, I learned later that they made a hard credit inquiry with Equifax. XXXX rarely if ever do credit checks so I went back to the signup form to see if I missed a warning that a credit inquiry would be made and I sure did find one on the right edge of the screen, not part of the signup form and written in vague language. I called them less than 24 hours from order time and demanded that they cancel it and ask the credit bureau to remove the inquiry but they refused stating that this is what they've always done. 

XXXX recently has changed their signup form on their website to explicitly include a warning of a credit check in the middle of the form. Obviously, something was broken and the fixed. The credit inquiry, however, still exists on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 2018-01-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. 

I have explained this to many of the folks that call. BUT they keep calling.

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 2018-01-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 2022-02-04
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:
ALL XXXX credit Bureaus have been made aware via certified mail. 
Sent in XXXX report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX XXXX Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX XXXX Name : R Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNXXXX 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 Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an XXXX Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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