BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'M HAVING A HARD TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It was a garanteed student loan for less then {$1500.00}. I paid for classes and books at XXXX XXXX ny but was not able to attend classes due to no daycare available in XX/XX/XXXX for my child. This has been on my report for over 30 plus years and I owe over {$30000.00} showing. I also have not received my taxes since XX/XX/XXXX due to nys higher education taking my taxes each year for this student loan. I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Send Capital One several FOIA request regarding this alleged debt, however no response. No documents were provided to me. No notice of Dispute to the credit bureau. XXXX to be specific. This is a clear violation of the FDCPA, FCRA by not follow both federal and state laws. 

Federal laws violation : 15 USC Code 1601 Congressional findings and declaration of purpose ( a ) ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. 

Federal laws violation : 15 USC 1681 e-Compliance procedures Federal laws violation : 15 USC 6802 Obligations with respect to disclosures of personal information. 
Federal laws violation : 15 USC 1681a- definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) ( ii ). 

I have the documents dates, Credit reports dates and certified mail XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a letter from Experian and XXXX XXXX for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet Experian has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. Second XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

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 2020-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is terrible. I need some help dealing with them. 
Ive been informing Experian that a split pin in their system has prevented lenders from obtaining my report. Most recently, Ive, over the past week, spent at least five hours trying to get them to fix the problem. In the most recent of many calls made this week, I demanded, in a confrontation that left me shaken, to speak with a supervisor. XXXX, after some time, spoke with me. She asked me to fax a document to Experian, which I did, and told me the problem would then be fixed, the two names they have listed in my social security number would be merged, in three to five days, but it probably only take two.

I received an email from Experian today telling me the problem was resolved and the problem fixed. I, excitedly, logged into to my account to findnothing has been changed, nothing has been fixed. 
This is absurd. Its not fair that this big company has so much power over my life, treat me unjustly and harm me by making and then refusing to correct a mistake and I have no available recourse. This is a bad system. Experian is a bad company.

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 2021-02-05
Company: FIRST HORIZON BANK
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX They did not send me any notification that they were new association or that anything was even owed. 

One day I receive a lien on my house and debt collection for {$150.00}, and fees close to {$300.00} now at the collection agency. 

I call to ask why they didnt send any notifications at all and they said they don't do that. What? 

I have a very sneaky suspicion that these people have an under the table deal with this agency as I've heard from many people in my neighborhood and online who had the exact same issue. No due diligence is done to simply inform people that something is due and how to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is about convergent outsourcing. On XXXX XX/XX/2022 I placed a call to this company to settle a debt. Once I called them I explain to them what I was looking for they agreed to settle the debt. I ask if they could do a pay to delete a negative mark off of my credit. They told me no however they could settle the debt for a cheaper amount. And update the credit report that this debt was paid in full and had a zero balance. I agreed and paid {$1400.00} on a {$2600.00} debt. I was told in 5 to 7 days I would get an email letter showing that this debt was paid. That never happened. I called back six days later just to re-verify that this was going to happen they assured me that I would get this letter the next day. It never happened I ended up calling this company back maybe five or six times looking for this letter. My last call to them about the letter I refused to hang up until I got the letter in my inbox. Which was successful. Upon reading the letter the letter does not state that the balance was paid in full it just states that I made a payment which was not told to me that thats how that that letter would read. Once I checked my credit they did send an update to the credit bureau but the only update that they sent was the fact that I had pay {$1400.00} and that I still owe the balance of {$1100.00}. This company completely misrepresented what they were going to do for me just to get my money. I called back today which is XX/XX/2022 to inquire about getting this rectified. I was hung up on twice and once I called back I escalated the call all the way up to the manager. The manager got on the phone and try to get me to pay {$1100.00} In order to get the letter to state what I needed. He also went in to explain the different services that they offer when making a payment. And I explain to him that no one ever mentioned anything like what he was mentioning to me on this call. I told him that the clerk that took my payment misrepresented what they were going to do for me. I have all of these calls recorded and willing to share them for proof. If someone can contact me I would love to explain in detail over the phone. 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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points

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 2020-01-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2019 XXXX XXXX Credit Card Debt Collector : Midland Management Amount {$3000.00} They had placed a lawsuit against me without properly notifying me of the lawsuit. I have documentation about it. I had received a advertisement from a local lawyer to represent me on the current case. That's how I found out also I contacted the debt collector notifying them that I would be able to settle the debt for {$400.00} that's all I have. I live with my parents and am married it hard for me to pay more. that would me having to become homeless due to this. I offered to settle the debt they wouldn't not agree at all. They harassed my dad with court docs as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
( One issue ) My wife and I have a new Verizon credit card ( Synchorny Bank ), opened XXXX 2020. Small credit limit of {$1000.00}. When we get close to that limit, we make a payment, sometimes multiple payments ( two ) in one month, depending on usage. The second payment is received by XXXX, money cleared from my checking account, but the second payment is not applied to my balance. After talking to XXXX on multiple occasions they told us they are " holding '' the payment because of " money laundering '' or " cancelled transactions '' issues, not me, but this type of activity has caused the business millions of dollars. ( Second issue ) I ask for a credit limit increase to resolve this. The increase is denied and the reason given is " Insufficient experience at your current credit limit ''. When I call XXXX and ask, I am told it's their " policy '' or " computer generated '' decision, nothing can be done, no further explanation. Both my wife and I have 800+ credit scores. No transparency or other reason for denied credit. Two issues here, XXXX is holding my money on second payments and not explaining being denied a credit limit increase. Do I have recourse?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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: Account status incorrect

Complaint:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

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 2020-04-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, this is regarding a promotion at Citi Bank with opening a checking account and in addition a savings account for 2 promos that was originally {$600.00} on the coupon mailed to me that I bought in to the XXXX XXXX, XXXX NY Branch on XX/XX/19 with XXXX the bank attendant where I deposit {$15000.00} in a savings and set up some direct deposits which was all completed and verified by them ( all confirmations on Citibank Messages ) and once all is met 90 days later they will begin to process my {$600.00}. Now each time I asked for an update at the branch they would tell me oh yes you didn't receive it yet ( XXXX and the bank manager lady ) and they will say that I will be receiving the {$400.00} by tomorrow where I would immediately stop them and correct them that it was {$600.00} then they would verify on there computer and agree. After reaching out to the branch every 3 days to complain and have them tell me that I'll see the funds in my account the next day, next day, next day and still getting the amount wrong when i asked them I realized they were playing some game with me and that's when i decided to just deal with customer service which after talking over the phone and getting the run around after they agree it is {$600.00}, then someone else later saying it was {$500.00} another {$400.00} then back to {$500.00} I agreed to take {$500.00} and end this. Since I haven't received the funds on the time/date customer service promised me several times and they stopped answering my call as if they have caller id i had to go on XXXX   through the XXXX   XXXX. At first it seemed as if i was getting there and later to go through the whole circus act all over again with them. Now what they do with me and have done several times is each time I call they verify all and open up an investigation every time, a new investigation to then find it all good to send me the money to never receive it to opening a new investigation. I have all the conversations of this on the citi bank app and can send it to 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 2017-07-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a complaint to CFPB ( XXXX ) and Santander denied the allegation and were snide in their response as well, I might add. Per Santander 's letter dated XX/XX/XXXX, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " Santander, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XX/XX/XXXX. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to XXXX and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXX.You Santander , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'Santander is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
No validations or error corrections

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