BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX/XXXX  XXXX {$770.00} XXXX  XXXX  XXXX {$5200.00}

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 2021-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/2020 CAPITAL ONE agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a debit card from Cash App debit card that I did not apply for. I want it canceled. I have tried getting through to them using the Cash App phone number but it is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Pathfinder Credit Services
State: OK
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 tried to enroll in XXXX in XXXX. My Family paid for my fees by check. Later on I got a bill from Pathfinder Credit. We checked with the bank and sent a copy of the check we had paid with to XXXXXXXXXXXX. I asked to please stop all attempts to collect and remove it from my credit report since it was never owed. That was almost a year ago and its still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continues to call ALL day throughout the day from different area codes, different customer serv reps which always asks me the same questions over and over again, never updates my account, will not mail a copy or email my account, I have received numerous emails with incorrect information, can never speak to anyone in the collections dept, I have been left on hold to speak to a " supervisor '' and the list goes on. So, I stopped calling them to rectify my debt, I am truly sorry I ever did business with this company, I believe they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
: I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to 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 2016-12-12
Company: Central Portfolio Control Inc.
State: NV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a letter from Citi stating my debt was sold to XXXX XXXX XXXX .I have never had any credit of any type from Citi . There is no account or debt. Their claim is fraudulent.

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 2022-04-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
I received a letter in the mail from Oportun Personal Loans on XX/XX/XXXX that an account with my information was going to be enrolled into an auto-debit plan with a bank account that is not my own. 

I called the company and they transferred me to their " Fraud Dept ''. I asked to inquire details about the loan and why a loan was taken under my name, address, and information without my consent. ( I never applied for a loan ). 
They would not disclose any information on the account unless I submitted paperwork that they were going to send me. 

I gave the customer service representative the loan number that was listed on the paper that was mailed to me as well as my name. Apparently that information was not enough and he proceeded to ask for my social security number, driver 's license number, and birthdate. He said that without that information he would not be able to give me details of the loan. 
It all sounded very suspicious and very much like a phishing attempt so I hung up. 

A Few business days later I get a letter from the company asking details about the account with a separate form asking those very questions ( DL #, Social Security #, birthdate, etc ) I quickly ran a credit report through my bank and XXXX and was able to see that Oportun ran my credit without my permission. I had no idea that it was ever run. 

Here are the details of the company : OPORTUN/PROGRESO FINAN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: Collection Technology Incorporated
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.

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 2016-10-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told that they could not lower my payments, however I was continually advised to request forebearance subsequently accruing unaffordable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed that aren't mine. Please have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-20
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
i was denied a passport, a home loan and a business credit card among other pertinent THINGS THAT WOULD ULTIMATELY HAVE CHANGED MY LIFE FOR THE BETTER based on ALL information illegally reported on my credit report, Transunion, XXXX and XXXX. the department of Revenue of California was one of the things on the report that has drastically hindered my ability to receive and use my veterans benefits for things that i am entitled to after my service in the United States armed forces. 

These credit reporting agencies have broken the law by the act of identity theft as I have not ever given written consent to these agencies to report anything about me, the inquiries that appeared on said reports should have been limited to the things that I attempted to acquire to better my quality of life, this has resulted in years of financial mayhem. 
pursuant to the FCRA 15USC 16 81, WHICH STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 ( 604 ) A ( 2 ) HICH ALSO STATES THAT THE CONSUMER REPORTING OR ANY OTHER AGENCY CAN NOT FURNISH ANY INFORMATION ABOUT ME ITHOUT MY WRITTEN CONSENTOR WRITTEN INSTRUCTION TO REPORT ANYTHING. PLEASE HAVE THESE AGENCIES DELETE THESE THINGS IMMEDIATLY OR I WILL BE FORCED TO PURSUE CIVIL SUIT REQUESTING MONETARY RELEIF ON MY BEHALF. THE DATES THAT ACTION WAS TAKEN WAS XXXX  the amounts are over XXXX which are a balance from several so-called creditors none which have provided a copy of a requested contract or signed agreement to me as they have all stated that that information is not available for my records

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 2020-03-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$6200.00} I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account XXXX XXXX, has violated my rights. 
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.

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 2022-09-05
Company: EQUIFAX, INC.
State: GA
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:
THIS ACCOUNT ENDING IN XXXX FOR {$550.00} XXXX  APPEARS ON MY EQUIFAX AND MYFICO CREDIT REPORTS TWICE. I HAVE A RIGHT TO A ACCURATE CREDIT REPORT AND THIS IS AN OBVIOUS VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving letters and harassing phone calls from an attorney 's office ( Harris & Harris Ltd ) in reference to a so-called bill from XXXX  XXXX   XXXX Hospital. The Total amount requesting is {$980.00}. However, when I requested that they verify the debt, they send me information from another company omitting their name and the information written are full of in consistences. 

I have a contract in place with the XXXX XXXX XXXX  XXXX Hospital to make monthly payments. I do not know why this company would think I would pay them as well, especially with information that is false. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a notice from SLS regarding its intention to foreclose on my home located at XXXX in XXXX GA. Included in the package was an application for alternatives to foreclosure which I completed and submitted. I then received a notice indicating that the property would be sold at auction on XX/XX/2016. 
I was told that I did not qualify for a modification because I had XXXX done during the past five years but would be considered for other programs. Meanwhile, I kept receiving requests for additional information to be part of my application. I submitted the requested documents and more requests kept coming in. I submitted the documents and was told that the sale would proceed as scheduled. 
After the sale date, I contacted SLS to find out the status of the property. I was transferred to various departments within the company until the phone eventually went dead. I could not determine what happened to the property. Finally, I received an eviction notice and moved out of the property. 
Earlier this year, I received a XXXX for debt forgiven in the amount of about {$130000.00}. I could not understand the document and called SLS to obtain an explanation. It was at that point that I learned that it was a short sale and not a foreclosure. I was told to submit my request for an explanation in writing which I did. I then received a letter indicating that I sent the request to the wrong address. I did not physically mail the letter but used an email address that I received from SLS. SLS indicated that they would respond to my request but have not done so to date.

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 2020-03-26
Company: Lending Club Corp
State: GA
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:
On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$14000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
this account has been removed from credit report several times and  they keep reselling it .its coming up brand new and its affecting me from buying a house. its call Midland credit management account # XXXX {$2500.00} the original creditor was XXXX XXXX XXXX  ac # XXXX it was remove several times and this account was open over 2 year ago..I want statements of proof of date open or remove completely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was looking at my credit report and I found that there was an account opened on XXXX XXXX in the amount of {$650.00}. That is not possible, I had a XXXX XXXX on XXXX XXXX. I wasn't physically or mentally able to be that. I have medical records as proof.

Company response to consumer: Closed with explanation