BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to XXXX XXXX several times about my business account in which XXXX XXXX charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by XXXX XXXX to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.

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 2021-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed this collection account with Portfolio Recovery IAO {$1400.00}. Since it reappeared on my credit report on XXXX of XXXX. The original debt was fraudulently opened with XXXX XXXX was reported immediately to the XXXX XXXX Police debt and later removed from my credit reports with other fraudulent accounts. 

The account is now sold to a new collection agency which is trying to collect for XXXX XXXX. I have made several disputes to XXXX and portfolio recovery and on XX/XX/XXXX I received a notification through my dispute with XXXX and XXXX that the tradeline was removed. When I noticed that it was still reflecting on my credit reports I continued to report the debt and on XX/XX/XXXX I was advised again that the tradeline was deleted and her we are in XXXX and the account is still reflecting on all 3 bureau 's. 

Per CFPB guidelines if an account is disputed and credit agrees to remove. It should be permanently removed as advised and not continued to be sold to new agencies to collect old fraudulent debt. I am requesting that this matter be reviewed and that the tradeline be removed immediately as it's impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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: Account information incorrect

Complaint:
XXXX, XXXX  and Transunion are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.

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 2019-07-12
Company: CITIBANK, N.A.
State: AL
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:
Citi reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by Citi Cards. The link on the XXXX  website is not working to submit an online claim.

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 2020-06-26
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:
Myself and my husband turned in two leased vehicles into XXXX XXXX of XXXX on XX/XX/2020 and leased two new vehicles. Unfortunately, the process has been anything but smooth for us. We negotiated online and over the phone for vehicles that were not available when they arrived at the dealership. We were told that the General Manager who negotiated the deal with them no longer worked at the dealership and we were forced to select different vehicles. We specifically gave authorization for the dealership to run one credit inquiry for the purpose of the lease, but three hard inquiries were made two on XX/XX/XXXX and another on XX/XX/XXXX ( two weeks after we drove off and finalized our lease deal ). After leasing the new cars, the dealership called to inform us that they filled out the paperwork incorrectly and needed us to sign new paperwork. At the request of the dealership, we arrived at the dealership to sign new paperwork on XX/XX/XXXX, but were told the paperwork was not yet done correctly and were sent home. 

On XX/XX/XXXX, a representative from the dealership arrived at our home to have us sign new paperwork which was dated XX/XX/XXXX. ( Our original lease date ). 

Then on XX/XX/2020, XXXX contacts us seeking payment for the old leases that had been turned in since the dealership never effectuated the payoff of these leases as negotiated in the deal. Repeatedly, throughout this process, I spoke with several people about the additional unauthorized hard credit inquiries that had been run and was promised again and again that the dealership would rectify the issue with the credit bureaus. I spoke with XXXX, the General Manager, XXXX from finance and ultimately XXXX XXXX who was assigned to resolve the issue after I contacted corporate about the slew of issues he was facing at this dealership. 

Still, to date, no one has corrected the issue with the credit bureaus and our credit remains negatively impacted. Moreover, XXXX XXXX offered us a check for {$1300.00} as compensation for our troubles throughout this process, but when I asked for a copy of the release I was required to sign so that I could have counsel review same, she suddenly advised she could no longer assist me and advised that I should have my attorney contact The VP. 

My attorney sent two letters to the VP letting him know they violated the Fair Credit Reporting Act and he has refused to respond.

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 2020-06-26
Company: Amsher Collection Services, 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:
Amsher Collection Services has provided information to XXXX and the other reporting companies. They can not find me in their system by my social Security number, or my name. 

They indicated that they did not know whom reported to them that I owed them money and I was not in their system. 

i spoke with XXXX at XXXX in the afternoon on XX/XX/XXXX, It is scary to me that a company can report on my credit information that they can not only NOT back up, they do not even have my name in their system????????? The amount billed to my was {$310.00} XX/XX/XXXX XXXX XXXX XXXX did the same thing to my Credit report after 4 months and several filed complaints it was found that a women in another state with a completely different name and social ( which they would not disclose ) was the person they were attempting to collect from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by XXXX XXXX. The link on the Transunion website is not working to submit an online claim.

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 2020-02-05
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:
I AM VICTIM OF AN IDENTITY THEFT, THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT WHICH WAS NEVER OPENED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FORM EXPERIAN AND XXXX. THEY ACANT ' DISCIRMENATE AGAINST ME LIKE THIS I JEOPERDIZE MY CREDIT FICO SCORE. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES. WHAT IS THE POINT OF ASKING FOR AN IDENTITY THEFT REPORT AND NOT HONORING 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 2020-06-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Like many parents in the school district, I pre-paid for a trip that was canceled due to the Covid 19 pandemic. The credit card company is Elan Financial XXXX XXXX XXXX. ND XXXX. The merchant was XXXX XXXX XXXX. We contacted the merchant, and although they provided no service at all, they want to give us a 80 % refund of the money. contacted the credit card issuer ( Elan Financial. Part of US Bank ). and they sided with the merchant. Their lame excuse was that the merchant did not cancel the trip. The Governor of Ohio and the School Board did ( for the pandemic ). I am working on ending all my financial relations with Elan financial and taking the merchant to small claims court..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the accounts mentioned with this company does not belong to me nor did I have knowledge of the accounts the dates XX/XX/18 in the amount of {$1000.00}. I've sent over police report that states I am a victim of identity theft and the accounts still remain on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: National Credit Systems,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:
This debt was not mine it was us 2011 and it was not mine I someone use my credit and received and apartment under my name which I did not get one. They never check who was the person they were hurting for people and that person who received my ss they used it to get a apartment. I demand it of right away or I will have a Cease order file against this creditor and sue them to the fullest. I want it off in XXXX   and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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 recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXXreditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 2020-06-26
Company: Credit Control, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer XXXX  XXXX XXXX at least $ XXXX. We have been divorced for nineteen years. I have never had an account with XXXX I have never acknowledged this debt. It is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX XXXX XXXX XXXX XXXX inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my XXXX loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate 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 2023-02-18
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: Public record information inaccurate

Complaint:
I sent a letter by certified mail to Transunion about removing this incorrect information and they refused to remove it. XXXX and XXXX are not reporting this false information. 
Letter mailed on XXXX/XXXX/2022

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 2021-08-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 noticed a sharp decrease in my credit score. I then found a fraudulent charge that was accruing late fees and interest on my Barclaysus choice rewards card. I called and reported the charge as fraudulent, and was told it would take ~ two weeks for the charges to reverse. I waited this period, and saw that the fraudulent charges were reversed, but the foreign transaction fee, late payment charges, and interest charged were either not reversed or the amount reversed was not the total related to this charge. I have called to try and get these reversed, and have been put on hold for over 5 hours total, have been hung up on twice, and continue to get passed around to different departments, none of which has been able to resolve my problem. Another late payment and further interest charges have been accrued in the meantime.

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 monetary relief
Consumer complaint received 2021-04-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a loan with ace cash advanced in 2019. They sold it, then that company sold it. The final company showed up to my parents house threatening to take me to jail, saying I have a warrant, calling 6 family members saying I have a warrant out of my arrest, etc. this is the number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX XXXX Phone # XXXX Birthdate XX/XX/XXXX Last 4 numbers on card XXXX I have charges on my government unemployment issued card that I did not make. I had been diagnosed with Covid-19 and believe that it was used while my sister had someone taking care of my place. 
I've contacted XXXX at XXXX And the will not reimburse me due to me not being able to verify an email address but it wasn't my email address which is XXXX The charges are XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  phone # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XX/XX/XXXX {$60.00} XXXX. {$40.00} XXXX {$35.00} XXXX phone # XXXX and XXXX They gave me a claim # and then said they could not refund due to me not being able to verify an email address or a gaming name ( name for online game use ) they also said That they can't stop the {$15.00} a month subscription to my card. 

All are for XXXX XXXX XXXX. {$19.00} XXXX. {$19.00} XXXX. {$9.00} XX/XX/XXXX {$9.00} x 3. ( Three charges ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00} XXXX {$9.00} XX/XX/XXXX {$15.00} PMTS CLEAR. Phone # XXXX..they said it's a dating site and the email address was not mine but said they issued a check to me on XX/XX/XXXX however I have not received it so they said they tried refunding my card on XX/XX/XXXX and it was denied. I don't think they even tried. 
XX/XX/XXXX {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CITIBANK, N.A.
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: Other problem

Complaint:
XX/XX/XXXX - I've signed up for XXXX XXXX Newsletter ( recurring charge of {$550.00} per 3 months ) with my card ( acc ending with XXXX ) In following year made 4 payments to XXXX XX/XX/XXXX - received year free subscription due to poor service from the newsletter XX/XX/XXXX - cancelled my subscription XX/XX/XXXX - called CITI to close this account ( concern about being charged again despite cancellation ), CITI associate advised that no need to close the account - changing card number will be enough. 
XX/XX/XXXX - received new card ending XXXX XX/XX/XXXX - new charge of {$550.00} from XXXX to new account ending XXXX which I've never given out to the newsletter Immediately opened dispute - initially charged was reversed and acc changed again to XXXX XX/XX/XXXX CITI put back the charge back on and started charging me interest. 
I've made many attempts to resolve this and was assured the dispute is still opened and will be resolved - so far no luck. 
I think I've done all I could to prevent this outcome and this a negligence on CITI part - I shouldn't be the one paying for someone else 's mistakes.

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