BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: CarMax, Inc.
State: IL
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. XXXX XXXX  XXXX, IL XXXX XXXX RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Lastly, I logged on CarMax to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.

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 2019-12-15
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The loan was initiated when I hadn't been formally accepted in to a graduate program. It was submitted with paperwork affirming my cosigner was financially unable to pay the loan and that I would solely be responsible in accordance with the origination policy. 

In XX/XX/2012, they put me in to repayment while I was still a student and attempted to harass my cosigner in to paying the full amount several months before they claimed my first payment was due. I was referred to a forbearance process that didn't actually exist -- no paperwork or forms despite what I'd been told over the phone by multiple representatives -- before being placed in to repayment. The company abruptly ended my payments without my consent several months later after I'd made a dent in the principle. When my payments were resumed, it was based on a total that included accrued interest from the period when I was in non-payment for being a student. 

In the years since then, AES has directly debited my account without issue. I have not done anything that would cause them to negatively attack my score, like miss a payment. The company has recently updated my credit report to say that they can not contact me yet continue to take my money and e-mail me to say that the transaction was successful. They call several times a week ( as they have for years ) to harass about the loan despite the fact that the account is not in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011

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 2020-05-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated robocalls From HRRG debt collection 3 to 4 times daily asking us to call 800 number. We have no outstanding debts. Calls come from different numbers each time

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2021-12-11
Company: EQUIFAX, INC.
State: AL
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 was in Bankruptcy from XX/XX/XXXX until XX/XX/XXXX. I have clear bankruptcy and been discharged but the bureaus show the report as being a new bankruptcy account instead of it being cleared and closed. This cost damage to my credit score and the all credit reporting agencies need to correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have benefitted from the savings app, XXXX. Recently they said that PNC is suspending connection to the app. I have money in the app that can not be transferred back until PNC authorizes connection again. I also would like to formally log a complaint against this suspension, particularly since customers were not notified prior to it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number ***XXXX  ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2016-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX collection agency added a brand new collection to my credit report with a date of XX/XX/XXXX for an amount of {$6100.00}. This original account charged off 7+ years ago and this collection dropped my score XXXX points. I demand they remove this debt from my credit report and stop attempt to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I signed up for my free credit report pursuant to Transunion 's services and the XXXXday free trial ( after which I 'd be charged {$16.00} + tax for a monthly " subscription '' ). Upon the end of the 7 days, I tried to cancel but found no way to do so online, nor did I find any information as to a phone number to call to cancel, and I also could not find further instructions when I searched " cancel '' in the website 's search bar. I believe Transunion is purposely making it difficult and unreasonably burdensome for consumers to cancel their memberships so that they can charge them {$16.00} per month for the subscription. It seems very likely that Transunion is taking advantage of the busy nature of people 's lives and the little time they may have to fully mete out this issue. There is certainly a consumer protection issue when a company has intentionally tried to conceal a person 's ability to cancel a recurring charge that he or she otherwise has the complete right to do.

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 2016-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called TransUnion Credit Bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed 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 2017-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

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 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A company under a name of XXXX has an inquiry on my trans union credit report and there 's no way to remove it according to trans union online portal. This was a result of identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$140.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}

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 2019-12-15
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.

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 2019-12-15
Company: EQUIFAX, INC.
State: TX
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 am an Equifax Premier Customer and I have been unable to update my credit score or receive my credit report for over 4 months, because Equifax has blocked my file due to too many soft credit pulls ( inquiries ). Equifax premier service allows you to pull your credit report daily but these fail pulls have resulted in me receiving an error message whenever I try to update my report. And because of this block my mortgage lender was unable to pull my credit file and I can not receive financing on my new home. I need Equifax to ARCHIVE ALL of the soft inquiries on my credit, and FULLY REMOVE the block preventing me from receiving my report. I have tried to get my report on the Equifax Premier Page that I pay for every month, through the MyEquifax Page and through my XXXX, but because of the block, I have absolutely no way of access my file. I also would like a refund for the 4 months I have been paying for the service and constantly calling to have this problem fixed, but the no one could help me. I have attached a photo of the error message that I receive when I click the button on my member dashboard to update my score or credit report. And what my page looks like on MyEquifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: State Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the state collection report wrong dept collection ( medical ) to my credit history for negative but this is not my dept also for harassment report to XXXX XXXX and all other credit score company!!? this is not correct for law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I Brought It To " Citi 's '' ATTENTION Upon XX/XX/XXXX That MY UNSCHEDULED PAYMENT Of {$110.00} Made On XX/XX/XXXX HAD NOT POSTED TO MY XXXX CHECKING Which Ends In XXXX. 
( My CREDIT CARD PAYMENTS ARE DUE UPON THE XXXX Of Each Month ). 
During This Call, It Was Discovered That Citi Had Attempted My PAYMENT Of {$110.00} From A Different CHECKING In Which I HAD ALREADY CLOSED, And Ends In XXXX With XXXX ( I WOULD NOT MAKE ANY PAYMENTS FROM A CLOSED ACCOUNT! ) " Citi '' Recovered The PAYMENT from The CORRECT CHECKING ACCOUNT During My Call Upon XX/XX/XXXX. 

The BANK Error Is Now Being Deemed As A, " BAD CHECK. ''??? Citi Has Also Attached A {$29.00} Fee That Two Different Representatives Agreed To REMOVE : A, " XXXX '' Upon XX/XX/XXXX ; AND A, " XXXX '' XXXX. 
THE " BAD CHECK '' FEE OF " XXXX '' DOLLARS IS STILL INCLUDED IN MY CURRENT BALANCE. 
There Is A Difference Between " BAD CHECK, '' And WRONG 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 monetary relief
Consumer complaint received 2019-03-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased in XXXX and XX/XX/2018 various jewelry from XXXX XXXX store on clearance prices. XXXX XXXX is the financial institution that holds the account for XXXX. Within 1 week of purchasing the various jewelries I noticed on my account statement by viewing on line that XXXX did not have the sales amount listed but had placed the original amount in the Amount due. 
I called on numerous occasions to try and correct the error. I called XXXX corporate office, I called XXXX  XXXX customer service, I called and went to the XXXX store where I purchased the item, trying to get the error straight. But to no avail did anyone try and correct the error. Each entity kept directing me to the other store. The balance stayed Incorrect. I wanted to keep the jewelry but being XXXX, the bank that hold the account, could not list the correct amount or the sales amount showing what I truly owed, I returned ALL jewelry within the set time allowed for a Return items in order to clear my account and to ensure I had no payment issue. XXXX XXXX received all of its jewelry back in the allotted timeframe for returned merchandise. 
I kept Nothing and owe Nothing. XXXX  record keeing is terrible. XXXX had the order correct XXXX did not whatever they had done in their system they need to UNDUE they have ALL of their merchandise and I owe them nothing. They have now placed some a balance due on my credit when I do not have their merchandise and owe XXXX nothing. They have a paper trail error and needs to correct it within their system.

Company response to consumer: Closed with monetary relief