BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: Global Portfolio Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XX/XX/XXXX. I gave evidence of same and they continue to state it was opened in XX/XX/XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-22
Company: EQUIFAX, 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:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Their investigation did not fix an error on your report

Complaint:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

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 2015-08-10
Company: ERC
State: WI
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:
I had a cell phone account with XXXX and after being improperly billed and receiving a monthly bill of around {$800.00} in inaccurate charges I contacted them. They cleared the account balance and I then proceeded to move to another cell phone provider. I found a charge of {$430.00} on my credit report and I can not get anyone to resolve this issue. They told me that because the account is in collections there is nothing that they can do. I had a zero balance when I closed the account from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Army and Air Force Exchange Service
State: AK
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:
As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small aafes and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and PCS in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX worker and have been unable to make it to the store to pay again online payment would help me tremendously right now.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX my credit score dropped XXXX points. I was originally told online through XXXX XXXX it was due to a change in income. I have not changed jobs for over 16 years. My income has gradually increased. I reached out to TransUnion on XX/XX/XXXX and talked to XXXX. She told me it was due to one account being over a few dollars but the data was outdated. She also said it was because I opened another credit card. I was told opening a credit card and keeping the balance low would help my credit. I monitor my credit score through all three major credit bureaus. TransUnion is the only bureau to drop my score so drastically in one month. The other bureaus dropped my score by one or two points when I opened the new account. This makes sense since the account is so new. Dropping a credit score XXXX points would take years to repair. I believe this is an error in their system.

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 2019-05-11
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
For the past 15 years the company Midland Funding, LLC as been updates the dates on a debt that does not belong to me in the first place due to identity fraud. Therefore, when I ask for the contract I sign they send me a 1 page snapshot of fraudulent paperwork that states I owe them {$600.00} which they are trying to pressure me to pay them $ 1200+. As a result, I was waiting for the so called debit to fall off my credit report after 7 years but Midland Funding keeps changing the dates on the debt saying I owe them $ 1200+ to this date which was 15 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-23
Company: Firstsource Business Process Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Complaint against : XXXX  ; XXXX  and TransUnion. Each is reporting incorrect information on my account. XXXX they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.

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 2020-10-06
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX  {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) 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 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, Transunion and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with Transunion and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, Transunion and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and Transunion and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

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 2020-04-05
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2022-08-17
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX, GA XXXX Employer : FLORIDA HOSPITAL XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: WI
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 finally got a resolution when the Attorney General from California actually did something unlike the CFPB who has not intervened or done anything. I thought everything was resolved until some disputes and credit inquiries were sent to me last night on Experian alerting me. I DID NOT SUBMIT ANY OF THIS! I HAVE NO IDEA WHAT IT IS OR HOW IT AFFECTS ME. AND THEN I CHECKED MY REPORT AND THEY REAGED MY ACCOUNT ... ... ... ... ... ... ..AGAIN!!!!!!!!!!!!!!!!!!!!!!!! I AM GOING TO SUE EXPERIAN IN FEDERAL COURT AND I HAVE MULTIPLE CASES AND PROOF. HAVE YOUR MANAGER CALL ME. I CALLED EXPERIAN AND FINALLY GOT THROUGH TO A HUMAN. I ASKED FOR A SUPERVISOR AND THEY SAID THEYD CALL ME IN AN HOUR. IT HAS BEEN 5 DAYS NEVER RECEIVED A CALL AND THEIR RESPONSE VIA EMAIL WAS THEY DO NOT DO CALLBACKS. I AM SICK OF THIS XXXX I HAVE BEEN DEALING WITH THIS FOR 5 MONTHS. I HAVE NO IDEA WHAT XXXX XXXXXXXX XXXX XXXX OR WHY THERE IS A CREDIT INQUIRY THAT HAS BEEN REMOVED OR WHY MY ACCOUNT IS REAGED AGAIN AND IF WHEN THEY REAGED DID THEY PUT A HARD CREDIT PULL ON IT SINCE THEY HAD IT CLOSED XX/XX/2022 TRYING TO CLOSE IT XXXX. THESE XXXX  USED A TEMPLATE AND DID NOT REMOVE THE STUFF FROM ANOTHER MEMBER CLAIMING BANKRUPTCY AND CRAZY XXXX. I HAVE NOT DISPUTED MY MORTGAGE WHY IS MY MORTGAGE BEING BROUGHT UP! IT HAS TAKEN ME MONTHS TO FIGHT THESE BATTLES WITH THIS DISGUSTING CORRUPT BANKS AND I CAN NOT APPLY FOR MY HOME LOAN UNTIL THIS IS RESOLVED!!!!!!!!!!!! YOU ARE RUINING MY XXXX LIFE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Was approved or told I had excellent chances of receiving a credit card thru credit karma to end up being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These are numerous inquires on my TransUnion credit report that I did not consent to nor authorize. 
1.XXXX  XXXX  XXXX via XXXX XXXX  XXXX- XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX  XXXX XXXX- XX/XX/XXXX 4.XXXX XXXX XXXX- XX/XX/XXXX 5.XXXX  XXXX- XX/XX/XXXX 6XXXX XXXX  XXXX 7XXXX XXXX XXXX- XX/XX/XXXX 8.XXXX  XXXX XXXX  XXXX- XX/XX/XXXX 9.XXXX  XXXX via XXXX co- XX/XX/XXXX 10.XXXX  XXXX  XXXX XX/XX/XXXX 11XXXX XXXX via XXXX- XX/XX/XXXX 12.XXXX  XXXX XXXX  XXXX via XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX 14XXXX XXXX- XX/XX/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 2020-04-05
Company: BARCLAYS BANK DELAWARE
State: OK
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:
XX/XX/XXXX {$59.00} charged Per XX/XX/XXXX email : {$25.00} Per XX/XX/XXXX email : {$51.00} due ( no calls, emails, or mail from Barclay of issue ) Per XX/XX/XXXX email : {$93.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$160.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$180.00} due ( no calls, emails or mail from Barclay of issue ) Letter in mail from Barclay received XX/XX/XXXX. Card closed. 90 days past due. No amount given. 
XX/XX/XXXX : called customer service, balance of XXXX. Spoke with representative, said my account was in collections and I owed {$210.00}. Immediately paid online within closed account {$210.00}. Unable to do anything else as weekend and after hours customer service representatives do not have access to accounts in collection even though they are the phone # listed on letter. 
XX/XX/XXXX : called same customer service # and representative was able to assist in giving information as well as submitting dispute for me. 
XX/XX/XXXX : Received decision from Barclays that since they delivered my statements to me via their online website, they declined to honor my request.

I always pay my bills and may have missed one but immediately rectified it since other businesses made sure I was aware of an issue. Barclays failed to let me know there was an issue and also charged me late fees in the amount of {$150.00}. Almost 3 times the original charge. Barclays only communication with me that there was an issue was when they mailed me the letter closing the account. This does not appear to be an above board way of doing business. I also received news on the paper statements mailed to me on XX/XX/XXXX that effective on or after XX/XX/XXXX, late payment fee was " Up to {$40.00} ''. Since I was charged {$39.00} on 2 separate occasions prior to XX/XX/XXXX, I am wondering how that makes any sense. It appears they charged me more without it being in effect.

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 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX  reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2021-10-29
Company: Bread Financial Holdings, Inc.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation