BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Lending Club Corp
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: Information belongs to someone else

Complaint:
I HAVE PREVIOUSLY DISPUTED WITH LENDING CLUB ABOUT 6 MONTHS AGO AND THEY DELETED THIS FRAUDULENT FOR ME. HOWEVER, NOW IT IS REAPPEARING ON MY CREDIT. THIS ACCOUNT IS FRAUD. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THIS ACCOUNT FOR ME. PLEASE DELETE. I HAVE NEVER SIGNED AND AGREED FOR A LOAN UNDER THIS COMPANY AND THE TERMS IN WHICH THEY REPORT TO MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continued phone calls and now letter from Suburban Credit Corrp. of XXXX, VA, to collect a medical debt THAT I DO NOT OWE.

Company response to consumer: Closed
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible

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 2020-08-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Midland Funding, XXXX ARE CALLING ME CONSTANTLY, VERY UNPROFESSIONAL AND DEMANDING WITH ABUSSIVE MANNERS THAT I PAY AND OLD DEBT. THEY MAKE THREATS TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-08-28
Company: Quality Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX  XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX  with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.

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 2018-06-01
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Submitted dispute # XXXX with Experian to correct date of birth. Was informed dispute was completed, and results available on Experians website, my account. When I accessed my account, was informed results were not available online, and to call a phone number for results. Calling that phone number, I was told to check online. Run-around!

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 2017-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, Experian, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again inXX/XX/XXXX presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion has violated my federally protected rights,. I recently received a copy of my credit report, and I found unauthorized credit inquiries made by XXXX  and XXXX Theses inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquires lacking certifiable evidence unless physically certified and verified proof is demonstrated and prided per U.S. 15 U.S.C. 1681 SECTION 604 FCRA. These companies accessed my report without my consent 15 U.S. Code 1681b no permissible purpose these are not my inquires

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have an issue with my credit report with transunion. Transunion report about someone else account on my credit. The name and date of birthday of that girl similar to me and she is getting services from XXXX but did not make a payment of {$220.00} which is due on XXXX XXXX. Because we both have same names and date of birth, so transunion put this due bill on my credit and going to decrease my credit score. It happened with me second time, earlier they put credit with same name who was customer of bell. Even in my whole life i am not customer of XXXX and XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. 
I will really appreciate that if you can help me. 
Thank you Have a good day.

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 2021-06-03
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir, I am XXXX XXXX from XXXX, recently I have been in contact with a seller of a car on XXXX, I use to be very carefull when it comes to buy but this time the seller I think is a scammer. 

I have bought many cars in US and this is the very first time I've got trapped. 
Before paying I got the seller passport, spoke to hime over the phone, asked for many pictures even some hard to find details for a non knowledgeable average connoisseur to make sure I was buying from someone honest. 

Then I paid the car to his bank account XXXX XXXX asked a shipping company to pick up and the seller wasn't answering anymore. 
The advert also from XXXX. 
And somehow!! the advert is again on. 

https : XXXX I was wondering if it's the same scammer, probably yes. 
You will find all the attached details, link, bank account below : Name of the seller and bank details where I have wired the money to ( probably fake ) XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cell Phone : XXXX XXXX XXXX Email address : XXXX Wire Instruction : Account Name : XXXX XXXX Bank Name XXXX TD Bank USA Checking Account # XXXX Best regardsSwift code : XXXX Routing # XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX First he has sent me the saving account!! But the money has bounced Saving account : XXXX Now with the checking the money has been cleared on his account. 

Hopefully you can do something about that, I have been trying to find a number to contact the bank where the money has been sent but no success, may be the police will certainly have the power to get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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: Old information reappears or never goes away

Complaint:
i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, transunion and XXXX ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, XXXX, and Tran union. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XX/XX/XXXX presented pertinent evidence that non of the inquiries and/or XXXX fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The XXXX accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

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 2017-04-21
Company: KEYCORP
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened the  KeyBank  account back in  XXXX   XXXX    XXXX   with the sign up bonus promotion of {$300.00}. I met all the criteria for the bonus but has never received it. I then contacte d KeyBank and found out that the promotion code I gave to the clerk was never submitted to the headquarter. I spent another 2 months to resolve the issue myself but it appeared KeyBank is delaying the process until I give up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended  XXXX  University from   XXXX   - XXXX .  Since graduating from I struggled to find a job in my field and could not find a full time job until   XXXX  . In  XXXX , I was forced to resign, leaving me with {$0.00} dependable income and began self-employment beginning   XXXX   XXXX  . Since m y Husband an d I were married just before   XXXX   XXXX   XXXX   and we filed taxes jointly, My repayment plan was based on both of our previous incomes, when mine no longer existed. It was too high and we could not pay it. I was was told my ONLY option was to go into deferment. It was not until   XXXX   XXXX  , after multiple conversations with Navient customer service representative that  one was fortunate enough to tell me I can reapply for IBR at any point when there is a significant change to my i ncome. I was told that I can not and will not receive any reimbursement or reconciliation for the deferment/forbearance that I accrued for the &amp; months for which I was misinformed.   Also, when I first registered  for IBR  in   XXXX   with  XXXX   XXXX , I was told that m y IBR plan wa s for 20 years and at the end of 20 years leaving the remaining debt forgiven. In  XXXX , I was told by a Navient representative that  my IBR plan is act ually for 25 years and " it always has been '' which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This is my fourth complaint against  Bank of America. The other 3 are,  in order of creation,  XXXX ,  XXXX , and  XXXX . Regarding the third complaint  (   XXXX   ), a BofA represent ative contacted me on  XXXX   XXXX ,   XXXX   to review the fact that not once but TWICE I was disregarded as a candidate for refinance, once last year and once early this year, with no advice for alternative programs, which do in fact exist. However, she decided she would not address this latest debauchery of apparent discrimination but would attempt to gloss over it by stating  ( 1 ) BofA ha s no record of my having filled out an application for refinance during or after this call, and thereby yet again attempted to pass responsibility for this failure back to me by alluding to the possibility that I never put forth the attempt and therefore I was never rejected . and ( 2 ) atte mpted to send me via phone over to their department/s that would in fact assist m e ( finally ). I told   her that the original issue and attempt to refinance were now, and at least for the time being, moot. I want the disregard and discrimination I experienced TWICE, once last year and once this year, fully addressed. For this is in fact now the overriding issue. I also told her I  told two other BofA employees, one of whom was also an RA representati ve,  XXXX   XXXX   XXXX , that I experienced this disregard, and disrespect TWICE. Both men knew of this but they decided it was unimportant. But it most certainly is important. I asked the woman if she had listened to the recording of my second attempt to refinance from this year. She stated she had n't. I then asked her why I would have bothered to fill out an application for refinance ( as she alluded I certainly must have if I inquired about it ... RIGHT??!! ) when I was told unequivocally on the phone, last year and this year, that I am ineligible? This she could not answer. I am stating herein that that second attempt occurred on  XXXX   XXXX ,   XXXX   at  XXXX  PM. I actually scheduled the appointment through  BankofAmerica online appointment calendar. I had a representative call me to confirm it. I have record via email of that appointment and I have record of the call to me from the BoFA loan officer  in my  XXXX  account. The call DID occur ... I was rejected after  3 minutes! I  want that call researched, investigated and analyzed before going any further. I refuse to take responsibility for this! I did n't apply because I was told I am ineligible!! TWICE!!

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 2022-09-02
Company: Experian Information Solutions Inc.
State: OH
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX  # XXXX has violated 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 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint has already been file on XX/XX/2012 I am sending documents.

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