BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: National Collection Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this 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 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, I sent a request to Trans Union asking them to investigate errors on my credit report. Over 30 days have passed, and I have not received a response from their organization.

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 2016-05-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get from free Experian credit report through XXXX. The last time I got a free Experian credit report was XX/XX/XXXX, so it has been just over a year. I tried this on XX/XX/XXXX around XXXX Arizona time ( Mountain Time ). I received an error message that said " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I really want to get my credit report online, not through the mail and not on paper. I called Experian. They told me to get my free credit report, go to freeCreditReport.com, which as you know requires me to sign up for credit monitoring ( at a monthly cost of {$19.00} ) after which I do receive my " free '' credit report. I did this, paid {$4.00}, got my report, then canceled the credit monitoring. If Experian does n't give free reports online, they should explicitly state that and let me know for the free report, just mail in the forms.

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 2022-11-08
Company: Credit Karma, LLC
State: NC
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: Received unwanted marketing or advertising

Complaint:
Ive been a client of XXXX XXXX since 2016 and during this time I have received pre- approved credit card offers, in which I was always denied for. The end result was always taking a hit to my credit ; unaware it was causing me to end up with a hard inquiries. Every offer, I was so- called pre-approved for, never worked out. Until the early part of this year and guess what? I took another hard hit to my credit score. False advertising and fraud is what they have done. I would like the situation justified and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.

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 2017-02-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.

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 2015-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My wife and I were victims of tax fraud. When we discovered this, we immediately did credit freezes on our credit files for all XXXX credit bureaus. We were charged for XXXX credit freezes. Per Texas law, if a credit freeze is initiated due to identity theft, the credit freezes should be free. I did not want to wait a week or more to generate a police report, get a copy and then send it in to the credit bureaus for a free report. Instead, I did the credit freezes immediately. I then requested refunds from the credit bureaus due to identity theft. XXXX issues refunds immediately. XXXX refunds are in process. Transunion, on the other hand, had refused, saying that the only way you can get a free credit freeze is by submitting a police report at the time you have requested the credit freeze. First of all, when you have become a victim of identity theft, you want to deal with it right away, and deal with the refunds later. Second, it would take up to a week to process the police report and get it to them to do the credit freeze. During that week, how many times might your credit report be used without your permission since someone now has your social security number? I believe, and will always believe, that we are due a refund. I will attempt to dispute the charge with my credit card but am not optimistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit bureau Transunion is reporting an account on my credit that is not mine XXXX and have been for a couple of years.

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 2017-01-26
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had previously filed a complaint concerning the reporting of my Chapter XXXX on Equifax credit bureau past the timeframe allowed to report. One of my tradelines is now changed to report charged off. The account with XXXX XXXX XXXX XXXX is constantly changing their reporting to state the bankruptcy or charge off. Once the Ch XXXX is discharged, the acct is supposed to be removed 2 years from the date. Equifax continues to report what they are sending in even though the timeframe to report has passed. They are going through the motions and not paying attention to what they are adding. I received an updated credit report with the Ch XXXX removed but now charge off/loss is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from XXXX XXXX. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit.

One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: CITIBANK, N.A.
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:
Today,  XXXX / XXXX / 17 , I tried to get credit card from  Home Depot, w hi  ch would let me get 10 % on my today 's shopping. My request has been rejected due to low credit score.
My question is : why my credit score is low? I expected it to be a  round  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 2017-05-28
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 disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

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 2016-03-25
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had fraudulent activity on my checking account for which my bank continually hit me with overdraft fees. Right around XXXX, in a moment of desperation, I signed up with CASHNET XXXX. Since my bank account went underwater, they have been sending me notices with all different amounts due on them. Every phone call I receive quotes a different balance due. I do n't know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account with Ally Bank and over the past 6 months I have overdrafted my account between paychecks. The maximum amount that my account was overdrafted for was {$75.00}. On Wednesday, I deposited a check for the amount of {$4000.00} which now Ally bank is holding until XXXX XXXX for NSF reasons. When called multiple times, Ally Bank first informed me that they were required by law to hold the funds for 5 business days due to Regulation CC ( I looked up regulation CC and informed them that had no such requirement ; Regulation CC requires them to inform me if they place a hold, not place a hold itself ). Upon providing this information, the line went silent and the agent hung up on me. I called Ally bank back and was informed, that it does n't matter what I do. All checks will be held for up to 5 business days regardless of the amount. I find it grossly unfair that a bank can place a hold for an arbitrary amount due to repeated overdrafts ( I offered to have part of my check to be held that was a reasonable multiple of the overdrafted amount in the past ). Additionally, I find it fairly misleading that banking institutions are informing consumers that they are *required* to hold funds, while rather they are required to inform consumers to hold funds.

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 2015-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My credit score decreased from XXXX to XXXX and I was not able to gain support from the agencies regarding why the sudden drop took place nor how I can rectify my score. I am attaching the report from credit karma. Thank you for your assistance in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Synergetic Communication Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection bill from Syncom XX/XX/21 I have received a bill From SYBCOM a collection company, the bill is from another collection company XXXX XXXX XXXX, and was from another company XXXX XXXX XXXX. Original bill XXXX they are offering settlement of XXXX XXXX 's number is XXXX. They're Ref # is XXXX. 
I have called them 3 times and left my information. I also went on they're Web sight and left my information requesting an email or call back. I have been trying to contact them for 2 weeks. I have gotten no response from them. 
I don't know what the bill is for. I will pay if I owe the money. 
They are out of line not contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran four unauthorized credit inquires on my name as listed below : XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX  Inquiry XXXX XXXX 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening XXXX/2017. They still went ahead and ran the credit on XXXX/2017. Once is forgivable. But I went into the dealership Saturday on XXXX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only one inquiry was made on XXXX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. 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 2015-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX ( {$390.00} ) and Acct # XXXX ( {$190.00} )

Company response to consumer: Closed with explanation