BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: I.C. System, 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:
On XX/XX/XXXX, I checked my credit on XXXX and realized there was a derogatory mark on there. It is from XXXX XXXX XXXX and the collections agency is IC System. There are two separate accounts that have been opened in my name that I have not opened. The first account was opened XX/XX/XXXX and the second account opened XX/XX/XXXX. I received a copy of the signed agreements and they are both signed in my name but it is not my signature. I have never owned cats or stepped foot into a XXXX XXXX XXXX. I have contacted both the collections agency and the pet hospital. The pet hospital told me to contact the credit bureau. Apparently from the explanation at the pet hospital, a wellness agreement was signed so that they could direct debit monthly from the persons bank account. Since the bank account information had to be obtained for the person to sign the agreement, it does not make sense how they could put it on my credit report when it is not from my bank account.

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 2020-04-11
Company: Experian Information Solutions Inc.
State: MO
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 did not authorize any of these unknown fraudulent inquiries that's on my credit file and I'm demanding that these unauthorized inquiries be removed. 

1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) 4. XXXX/XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX ) 6. XXXX XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2015-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have notified TransUnion numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated TransUnion on this account. It needs to be removed from my credit profile. 

XXXX Account Number : 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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I recently went on XXXX to obtain my annual free credit report. The reports were provided free of charge with no problem by both XXXX and XXXX however Trans Union some how through their website signed me up for some type of credit monitoring that I was not aware of. They have consequently charged my bank account a total of XXXX for what I thought was supposed to be free. It is the principle here the other XXXX credit agencies did it the right way but Trans Union in some as far as I am concerned fraudulent way made me pay for my credit report. I would like to file an official complaint against Trans Union for their misleading practices!

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 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Unauthorized credit inquiries

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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
In XXXX 2015 I signed up for TransUnion 's credit score service. Unknowingly I was on a 70 day " free '' account which turned to a $ XXXX paid subscription after that trial period. I have unwittingly been paying the subscription without any receipt or notification of my monthly auto-payments. During this time I have NEVER used their services. They increased the subscription amount to $ XXXX without notification as well. I would like a refund for my payments which I never authorized. They total XXXX auto payments from my credit card since XXXX 2015. I am on a fixed income and really can not afford to miss out on this money. I feel like TransUnion has been running a scam to siphon off money from people without acknowledging them doing so.

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 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. 

Thank 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 explanation
Consumer complaint received 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hello I had inquiries removed from trans union and they were put back on making my credit score go down. They admit to a glitch in their system but yet continue to say I was n't affected by it. I asked to be transfered to special handling US department but was refused. The operator kept telling me they could n't transfer me. So then I proceeded to ask for direct number to special handling and was told they did n't have the number, after acknowledging they do have special handling. They refuse to give me any answers and then I was told the call was being terminated. I attempted calling 3 times today alone, I just want answer

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 2023-01-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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 2020-04-11
Company: Source Receivables Management LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, Source Receivables Management report on my XXXX, XXXX, and XXXX  account for the amount of {$2100.00}. 
I have no knowledge of this account. I do not own this account. I attempted to contact and dispute this account in XXXX and it was not resolved. It has affected my credit and my payment history. I do not owe anything on this debt. I have no knowledge how this account was reported to my credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: AK
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:
Equifax; XXXX  and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of $XXXX   on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.

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 2017-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My score dropped XXXX after XXXX credit inquiries on Equifax according to XXXX, asked XXXX MY score that they report but was not given the information. Asked how could my score dropped so drastically and was given no answer. Informed that I can pay to get MY report but not MY score. A change in score like the one I 'm suffering with should come with some answers and a way to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im a XXXX XXXX in XXXX  and expierians Data breche, Im a XXXX XXXX died and left our name a mess most our credit report was mixed up.. 
And due to information on the web I can use my credit or nothing please help.

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 2020-04-11
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed my account during this time of uncertainty. Only had a {$500.00} limit and XXXX balance. They are negatively impacting my credit score on purpose and with cause.

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Prior to being late with XXXX {$110.00} zero-interest motorcycle loan payment to XXXX XXXX XX/XX/XXXX, my credit score had been in the high XXXX. As soon as the late payment came to my attention, I immediately made up the payment in XX/XX/XXXX, however by then that mistake had caused my credit score to drop by XXXX points. After contacting XXXX about this their initial response was to go speak to the credit reporting agencies because " there 's nothing we can do about it '' while the credit reporting agencies would say the same about XXXX XXXX. Extremely frustrated, I wrote them an angry email, to which they sent me a letter acknowledging their mistake. However, my credit score is still in the low XXXX and my payment and credit history has been stellar as before my late payment. My wife and I are very upset about this incident - since we are trying to refinance, my much lower credit score is affecting the interest rate that we 're being offered by as much as one percentage point. 

Attached is the letter acknowledging their " system error '' and my FICO credit score history from my most recent XXXX XXXX statement. As you can see my score was an XXXX prior to the one late payment, and even though as of XX/XX/XXXX it shows that it 's gone back up to XXXX, for a reason that no one seems to be able to explain, this score is not reflective of the score that the lenders see when they pull my credit ( the lender is using Transunion 's Classic XXXX FICO model ). My median credit score provided to lenders is still XXXX, which is still too low to qualify for an optimal interest rate. I wish someone could explain to us why there is more than a XXXX point difference between what the credit score I receive and what the lender receives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I discovered my fico score said I have XXXX collections. I knew that was wrong because i always pay my bills. I tried to find out what could be on my report. First of all, it seemed very fishy, because, both were exactly {$170.00}. Then I found out that the bill was for sprint and I had not had sprint for at least 5 years, approximately. Why would I have a bill from XXXX, who never contacted me since my final bill, years ago?

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One is refusing to validate my dispute and is siding with the merchant, even after I have sent multiple documents and emails proving my case. I booked a hotel reservation at XXXX XXXX in XXXX on XX/XX/XXXX for travel dates of XX/XX/XXXX - XX/XX/XXXX. The rate I booked was non-refundable, however it was 100 % refundable with included insurance in case I needed to cancel due to many different circumstances. Unfortunately I tested XXXX for XXXX on XX/XX/XXXX and informed the hotel and travel insurance through the hotel that I needed to cancel. According to the terms of the insurance my reason for canceling is valid and the entire purchase amount of {$2500.00} should have been immediately refunded to me. Neither the hotel nor the hotel 's insurance company responded to my claim nor did they refund me. That's when I contacted Capital One to dispute the transaction on XX/XX/XXXX. Capital One investigated the case and on XX/XX/XXXX sent me a letter stating they sided with the merchant who stated I booked a non-refundable rate. I appealed the decision on XX/XX/XXXX and sent more documentation in, including the original confirmation showing I purchased insurance that covers 100 % of the reservation amount, the emails I sent cancelling with proof of a XXXX  XXXX test, and terms and conditions of the reservation and insurance. I should not have to pay {$2500.00} for a hotel stay I did not even get to use. On XX/XX/XXXX I called Capital One to discuss the case and how they once again refused to honor my claim. Capital One should protect me as a consumer as I have proven the hotel is not honoring their terms by refusing a refund from the insurance company they offer as a result of my XXXX XXXX test. I have tried in good faith to resolve this with the hotel and Capital One and neither are honoring their side of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYBANK/NWYRK & CO failed to give me proper validation of this debt.

I mailed COMENITYBANK/NWYRK & CO a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: UT
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:
I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, XXXX file case # XXXX, and Equifax confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Conn's, Inc.
State: TX
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.

Company response to consumer: Closed with explanation