BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Because of their " twisted '' voice recognition system, it is almost impossible to get credit score from either credit reporting agency, unless you willing to pay for a credit report. I ordered free annual credit report from " Transunion '' and it is lucking credit score numbers. As our credit system heavily dependent on that numbers it makes me " easy target '' to " rip off ''. And its seams logical to me to have that numbers on the report. I was not able to go trough their system to get my credit score. 

Please investigate and enforce reporting agencies to include credit score numbers in the 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 2017-04-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Not a Valid collection - item was to be Deleted with Payment in the month of  XXXX  and  XXXX  I contacted SYNCB regarding my SYNCP / JCP and SYNCP /  XXXX   XXXX .   I spooked to numerous representatives and supervisors unfortunately they feel that the bank has the power to keep the item on the report for more 10 years those account past the statue of limitation period and they are still reported incorrectly Accounts was sold to another lender and they never verified the settlement with the lender and never reported this account as Settled accounts still showing Negative on 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 explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 wrote the  XXXX   Credit Burrows 50 time s sending the m 3 forms of ID that No bank can Verify me and the Credit Burrow neve r  Respond    XXXX   XXXX   XXXX    Employee  intentionally Rob me  XXXX  dollars and i ca n't Get a New Bank Account in 3 years.   I have been denied  70 Bank Accounts in the la st 3 years.     I only have one ATM Card and better fly Two  XXXX  two Ask  XXXX  or Sue the Credit Burrow and   XXXX   XXXX   XXXX    Im Going two  Start Suing the Credit Burrow from a new Country Every 3 Months Nobody can sue the Credit Burrow From any Country the only thing People can do is Nothing.

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 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has many items that were reinserted back on my credit report due to fraud. 
The company refused to remove the items that were stolen under my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.

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 2017-09-26
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. 

I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. 

I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.

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 2016-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to retrieve my free annual credit report, however, after answering the prove your identity questions incorrectly ( all questions ) they refused to allow me access to the report. Also, that the questions asked were all pertaining to a credit loan and a a mortgage lender and an a person who I never heard of let alone reside at the address ever to my knowledge which is making me nervous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has repeatedly sent this response to me- '' Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. " I snt the following to them CONFIDENTIALEquifax Security DepartmentFAX XXXXTotal Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment. It is a home. 
2. Correct employment to : XXXX XXXX XXXXAttached:1. MI driver 's license2. Homeowners policy3. Utility BillAlso- Delete the address XXXX XXXX XXXX , XXXX , MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 

Please send updated report to me email or hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Security National Automotive Acceptance
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I just read a case against Security National Acceptance filed by CFPB on a service member and it states that SNAAC is not supposed to get into any more problems with the service members but here I am an XXXX military who got an auto loan with them. In XXXX of 2015 I filed for bankruptcy which was discharged in XXXX of 2015. I am attaching the email from the Judgement Administrator at SNAAC who stated very clearly that she received the court documents and I am retaining my vehicle. I took that email as confirmation and have been making payments to SNAAC for the past one year on time. SNAAC has not been reporting any payments to the credit bureaus and upon asking I got told that oh it was discharged in bankruptcy. I have made payments to SNAAC for the pat one year. I have been arguing with them about this since like XXXX of 2015 when I first found out about this. No response, no resolution nothing. My credit score hurting, did not get approved for any auto loan anywhere till yesterday finally with a high interest rate, a security investigation going on me with the military and no positive accounts reported in the credit bureau which may affect my clearance with the military, I am not getting any response from SNAAC they never email or call me, customer service representatives are very rude and they tell me they can not do anything and they always transfer me to XXXX XXXX the current Judgment administrator who never answers her phone or gets back to me. So I have one year of payments not reported to the credit bureaus which has affected my credit rating, no credit card approvals an auto loan approval with a high interest rate, the metal torture Im going through right now, the time I waste in contacting and looking for answers with no resolution.

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 2015-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to '' ... promptly delete all information that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifaxXXXX XXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks should show account included in chapter XXXX bankruptcy filed XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: DISCOVER BANK
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.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 2017-10-08
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? 
Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
XXXX, NH

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?

Company response to consumer: Closed with monetary relief