BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Orions Management Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft. I have tried numerous times to get this Collection from Orions Management LLC removed from my report. I sent an e-mail to XXXX XXXX XXXX with the letter from XXXX XXXX XXXX XXXX XXXX which I have attached here indicating that I am not liable for this debt. Orions insists that it is a different account number. I contacted XXXX, they advised me that it is in fact the same account and that they requested a buy back from Orions of XX/XX/2023 and Orions has not responded. I have been a victim of a crime and Orions Management refuses to accept this fact and remove their collection from my credit report. They have also not provided me with the application that was made for this credit card as requested by me on several occasions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a TN Way2go Child support card. I have not received a child support payment since XX/XX/XXXX as the custoldial parent of XXXX children. During the last year while the support has been in arrears my card expired, XX/XX/XXXX. I attempted to get a replacement but was told there had to be {$5.00}. On the card to get a replacement. Finally on XXXX XXXX a payment was made to the state for my child support. Wednesday XX/XX/XXXX I called customer service for the card and I explained my situation. I was transferred to the card replacement area and was on hold for over an hour. I was at work and had to hang up. Nobody ever came to the phone. On XX/XX/XXXX at approximately XXXX XXXX. I called back and was again transferred and after approximately 45 minutes to an hour my call was answered. It took another hour to get my address updated. I was told it would take 7 to 10 days to get a replacement. After having waited almost a year for support that was not sufficient. I was told I could pay {$10.00}. Plus the {$5.00}. Card fee to have it expedited within 4 days. I agreed. It is now the XX/XX/XXXX and I have not received my card.I have called 2 times both transferred and placed on hold. The last time was an hour and a half and nobody ever picked up. This is my money intended for the care and support of my children. The fact that I am being charged to use my child support is bad enough but this is not expedited and I am sure I will still be charged. The wait time is completely unreasonable. I work and have XXXX kids. I do not have hours at a time to sit on hold and the length of time it took to communicate the one time I was able to speak to someone was unacceptable. This money is in extreme arrears and this company is holding it hostage. I need my card and due to the lag in time I most certainly should not be charged. Is there a number to contact someone without hour and a half hold times where my card situation can be resolved. As of right now I have waited almost a year and I have finally received a payment, and for almost 2 weeks have not been able to gain access to it. This is completely unacceptable and terrible practice. I am a captive audience and have no choice but this bank knows this. At what point are they violating banking or commerce practices when I am not able to use my support. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a medical bill from XXXX. I received a few bills from them but then they stopped - i figured my insurance accepted the bill. I have not received any bill since XXXX and I've never rec 'd a bill from commonwealth financial before. I found out it went to collections when it showed up on my credit. After I disputed with credit company they sent me a bill. How can you go 5 years not reporting to credit company for a debt and then report it to credit with no new bill. Ive been at the same address for going on 2 years now. Nothing from them until today XX/XX/XXXX. The debt is from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The account in question in discussion is Ford Motor Credit Account # XXXX the issue at hand is a late in XXXX 2020, in XX/XX/2020 I got sick with XXXX I tried calling to defer the payment and could not reach anybody at Ford Motor. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
An item that was removed last year XX/XX/2016 has been reinserted and I did not receive documentation as to why.

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 2020-07-26
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter to validate my debts with Phoenix Financial Services on XX/XX/2020. Due to an overwhelming schedule I wasn't able to mail it until XX/XX/2020. The company received it on XX/XX/2020 at XXXXXXXX XXXX  from the post office. I am yet to hear back from the company within the 30 day window to validate my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: FL
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 have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, XXXX have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

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 2020-07-26
Company: Experian Information Solutions Inc.
State: HI
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:
Experian keep Sending me Stall tactics. Experian This account fishtail financial is a charge off account but contains a monthly payment That is not possible, please delete. This account is labeled a collection but it is reporting a past due balance. I have full faith in Experian to be an outstanding model company and remove delete .. This account is reporting it has Late Payment in payment history but the account Has Been closed for years this a violation. I Sent proof Of my identity Theft report. Certified letters. I ask them to Send me burden of proof Methods of Verification nothing have be done at all only violation.

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 2023-01-23
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm being approved for the XXXXXXXX XXXX XXXX for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX payment is past due because they aren't applying the payment on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/XXXX XXXX sent the check for XXXX payment. The mortgage company applied the payment on XX/XX/XXXX more than 30 days after multiples calls and emails. On XX/XX/XXXX XXXX send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There is a bankruptcy on my transunion credit report in which transunion indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my 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 2023-02-27
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally corresponded with Transfinancial Companies on XXXX2022 requesting proof of contract, all original documentation with my signature, also providing a contractual obligation directly between myself & Transfinancial Companies and I have not received it. Transfinancial Companies is reporting that I owe a " Medical Debt '' to them for the amount of {$1100.00}. I have NO contractual obligation to Transfinancial Companies, never the less a medical debt obligation. This a clear breach of my Hippa rights. Transfinancial Companies should NOT be in receipt of my medical information, nevertheless reporting to my XXXX, XXXX XXXX XXXX reports such a fraudulent medical account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable

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 2018-11-07
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: Personal information incorrect

Complaint:
I mailed two seperate request to remove an address from my credit report. To date, TransUnion has not removed the wrong address.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am a victim of identity theft please remove this fraud inquiry from 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 2022-12-22
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover is advertising their student credit card as " NO CREDIT REQUIRED '' once I have submitted application I have ended up getting a hard inquiry. It's a false advertisement!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Late fee

Complaint:
Capital One charged me a {$25.00} late fee on the same day my payment was due. How can this be ethical? If this is allowed to continue I will be assessed late fees each month my payment is n't submitted by XXXX on the due date. Again appears to be an unethical money scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was not contacted by Radius Global Solution, in the amount of XXXX and the amount in collection was handled in a settlement with XXXX hospital. This is also a violation in my HIPPA RIGHTS and HIPPA LAW. I request for my personal information for this collection matter to be removed from all three credit bureaus ( XXXX, XXXX, and XXXX  ) as a violation of my rights. Also due to the creditor never reaching out to me and the amount being settled with hospital.

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 2020-02-16
Company: Experian Information Solutions Inc.
State: NV
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 listed allegation of inquiry record is NOT currently proven to be reporting COMPLIANTLY, as Alleged Creditor ( s ) and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry ( ies ) deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion.. XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have a a old joint with my ex husband account with XXXX XXXX and XXXX XXXX XXXX loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount 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 2020-12-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I registered for the PayPal promotion at https : XXXX on XX/XX/XXXX. ( Please see the proof in the first attachment ) The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX ( Please see the proof in the second attachment ), but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I had contacted PayPal support several times, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of today, XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/23 expirian and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

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 2023-03-07
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX insurance on my XXXX XXXX. I sold the car last XXXX. I notified XXXX with 5 emails to cancel the policy. they did not cancel it and kept sending me notices they that I needed to pay another premium. 

The policy was cancelled in XXXX of XXXX and I have the emails which XXXX received to prove it. 

They have turn over a balance of {$64.00} which is not owned and have put a derogatory item on my credit reports. 

At your request I can send copies of emails telling them to cancel which they failed to do. 

You can see from the emails to XXXX that I attached they acknowledged they received my cancellation and said in their response " sorry to see you go '' What a joke huh??? Then they turn me over to collection!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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 received an alert on my account in regards to this collection that doesn't belong to me. i want to see a signed contract with my name on 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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