BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
COMENITY BANK IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it.

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted the creditor called XXXX directly and they submitted completely erroneous information and TransUnion is non responsive. The original creditor has advised me they are at fault but have no direct method of letting TransUnion know of the error. That I have to submit this information to dispute the information is not ethical there should be more transparent avenues for creditors to let TransUnion know that it must be corrected. That I must dispute this and then wait for an incredibly long time for it to be resolved creates liability issues since my other creditors could react negatively to the incorrect information. I have attached the account information in the attached document.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I turned XXXX in XXXX of XXXX. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX years old. I submitted my birth certificate and drivers license to XXXX and TransUnion and they refuse to investigate and remove the items from my credit report. What XXXX and TransUnion is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to XXXX and TransUnion.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with Trans Union credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX nightly news with XXXX XXXX again talking about Trans Union. I have no late payments, my credit use is around 50 % yet trans union recently dropped my credit score by over 30 points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that Trans Union is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over 700 in XXXX and nothing has happened that should bring my score to this low level/

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 2015-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX, MDXXXXThis address is not mine, I have never used a XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
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: Old information reappears or never goes away

Complaint:
I have disputed with XXXX several times to delete the trade line do to FCRA deletion period met. The account is 9 years old and the company keeps falsely reporting the open date at a new date. Account was open XXXX XXXX  and they have updated reporting to show XXXX XXXX. I would like for them to delete the trade line.

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 2021-03-12
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named Credence rm has me in collections for XXXX for XXXX XXXX, i never received a letter from them nor have i ever had a XXXX XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: TN
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:
Credit bureau is reporting my medical bills. According to HIPPA no protected health information should be shared publicly. This goes against HIPPA Rules and regulations and violations my rights.

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 2017-04-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I co-signed 5 of my daughters navient loans and had a draft of {$500.00} dollars taken out of my bank account automatically each month on the XXXX of each month. I have made 27 payments with one problem because they said that it had to be renewed each year because the amount was more than what they said I had to pay. I was able to pay off the loans on the X/XX/2017 in full. I kept checking their website and say that all the loans were at {$0.00}. I thought that the auto withdraw was canceled and that was that with these XXXX XXXX. Well, It was n't. Another {$500.00} was stolen from my account on X/XX/2017. I called to get my money back and took up 4 hours of their precious time being passed back and forth between about 20 customer service members being told 20 different stories about getting my money back. I got from it will be a check to it will be electronically transferred back to me, I see it the XX/XX/XXXX, XX/XX/XXXX, or by the XX/XX/XXXX. Then I was transferred to the so called president who said that I had to send them a bank statement to show that the money was pulled, it showed it was taken on their own website, or conference in my bank so that they can verify that it had cleared, again already showed it had from their website. I did find out that I overpaid by {$300.00} and probably would not have found this out unless I kept after them. They gave me no choice but to complain to some one who might get a straight answer from these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Direct Capital
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
On XXXX XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as Direct Capitol and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried googling this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The lawyer put a lien on my home and its stopping me from sale it. I called speedy cash and the state that they dont know who this is. The only people that can collect is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter Warfield is collecting a debt i have requested validation of the debt and not received it as of yet. The letter I received from them states the client is XXXX XXXX at XXXX XXXX, I do n't owe XXXX XXXX at XXXX XXXX. 

Also the initial request was made XXXX/XXXX/2015 and follow up request made XXXX/XXXX/2015 and XXXX/XXXX/2015. I have been ignored. 

The only correspondence received from Hunter Warfield was on XXXX/XXXX/2015 stating they would investigate and remove the reporting ; however that never happenend

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. 

Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filled 4 disputes with Experian to dispute the XXXX XXXX XXXX Collection agency for the past 2 years. 
I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

Experian has responded with the same response " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about XXXX XXXX XXXX and received the same results as Experian. 

Listed below are the disputes. 

Experian Date Submitted : XXXXXXXX XXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX XXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both XXXX and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN 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 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Address listed in XXXX. XXXX is not mine. I have never been to or lived outside XXXX. This was reported as Identity Theft to Law Enforcement in both my my city and in XXXX. My information was used for a XXXX XXXX XXXX XXXX and had a balance owed. I have never had services outside of XXXX. 
Need to have that address removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: BILL.COM, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There are frequent withdrawals from my checking account from an entity called bill.com, using various prefixes before the company name, such as :XX/XX/XXXX, XXXX, XX/XX/XXXX. 

I have no idea what these charges are but they come frequently. I have tried, many times, to communicate with this company but they make it impossible to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter in the mail from Transworld Systems Inc claiming they were trying collect a debt we owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Years ago an overzealous police officer issued several citations. As soon as the magistrate saw them the charges were dropped. Non processed. I took it a step further and had a judge issue expungement of my records. This expungement was ordered to remove all reference to these charges. The credit rating agencies should not be showing this information.

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 2021-03-12
Company: BAM Management US Holdings Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Binance.us claims that all chargebacks will result in account withdrawals being suspended. After the chargeback is cleared, they also claim that they can take up to 7 days to allow transactions again. 

I cleared a chargeback on XX/XX/XXXX and opened a support ticket # XXXX requesting my withdrawals be re-enabled. 

On XXXX I then opened ticket # XXXX to ask as to the status. The ticket was closed immediately with no response at all. 

On XX/XX/XXXX, I then opened ticket # XXXX asking for further information as to the status. That ticket was again closed with no response. 

As I have attempted to reach out to Binance.us in every way possible, and have received no response, I am escalating this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
CHEXSYSTEMS IS REPORTING A FRAUD ACCOUNT FROM XXXX  XXXX XXXX THAT IS 5 YEARS OLD. ACCOUNT IS REPORTING INACCURATE INFORMATION. 

XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions 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:
On XX/XX/2021 I tried to un-freeze my Experian credit report so that I can make a large purchase. I logged into my Experian account, there is NO WHERE on the Experian home page, or any other page, to un-freeze my credit. I searched on the internet and found a page to unfreeze my account but the system would not accept my PIN. I'm out of town trying to make a purchase and Experian, because of their negligence, won't allow me to complete my transaction. I tried calling them but you can not reach a person to speak with and their web pages are useless. EXPERIAN IS HORRIBLE!

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 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting XXXX XXXX mortgages as open and unpaid theese XXXX accounts have been paid in full ACCT # XXXX and ACCT # XXXX ATTACHED IS CONFIRMATION FROM XXXX XXXX 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