BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$570.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over charge my account

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Double charging and stole my money

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
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:
The day I opened the credit card in either XXXX XXXX, XXXX XXXX XXXXXXXX XXXX I was XXXX and felt pressured. I wasnt told what the interest rate would be, only told to make the payment every month. I see a lot of unknown charges sometimes, and keeping up with the payments o XXXX to get charged a double interest rate. I have told Wells Fargo my story but they said their is nothing they can do since I was of legal age and signed the papers to obtain a credit card.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide prof with statements showing that these payments were late. If proof can '? be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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 was checking my credit report and noticed that I have multiple inquiries showing on my credit report that I have no knowledge of or never did business with to pull 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 2023-04-28
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Debt was credited to a collection agency ( SOURCE RECEIVABLES MNGMN ). After filing multiple police reports and reporting to FTC.Gov I got in contact with the original creditor ( XXXX ) and was told that this account was opened in 2019 while I was a minor. Ive been working extremely hard to resolve this issue and file as many reports as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The charge off removed from all three credit agencies. It's against the law to report any agency updates on this charge, which must be removed. This is the last letter about this account. Legal action is next. You have fifteen days to terminate the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Company : Kia Finance ( KF ) I was leasing Kia K5, which got into an accident. 
In XXXX, XXXXnsurance decided to total car and asked if they want the check to sent to me or to KF directly.

I contacted KF customer care and got a buyout quote for : {$24000.00} KF said if the insurance pays them directly then the amount would be {$28000.00} and told me that I'll be returned the overpaid difference amount ( {$28000.00} - {$24000.00} ) After confirming this, I asked the insurance to pay KF directly. 

I contacted KF again during XXXX week of XXXX, I was told they received the payment from insurance on XX/XX/XXXX and they confirmed they will process the refund check soon. 

I contacted Kia again on XX/XX/XXXX to check the status of the refund. I was told that they have to wait 30 days before they can process the refund. So the check would be sent out after XX/XX/XXXX. They even told me the amount that would be refunded which is {$4300.00} After waiting for a week after XX/XX/XXXX I called KF on XX/XX/XXXX to check the status of the refund they said nothing will be refunded as per the contract. 
So after confirming of a refund for 3 times, they told me in the end that I wont get anything. 

I had made payments of close to 20 months on this vehicle. 
If they had told me before that I wont get any refund from the insurance payoff then I could have asked the insurance to pay me directly and buyout the vehicle for {$24000.00}. 
and use the extra cash to cover the payments done or use it towards buying another vehicle. 

I lost out close to {$4300.00} because of the misinformation provided by KF. This seems like planned way to cheat the customer and get more money from Insurance. 

I would like to seek some help regarding this and recover the amount from KF.

Please let me know if you need more information. 
I'm sure all the customer care call were recorded and the information can be verified if we get those recordings Thanks

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 2023-01-16
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from this address : Certified XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Stating that I owed money to my Doctor 's office, XXXX XXXX, and they were trying to collect the debt. 
I called the XXXX 's office right away to clarify and they said no, there was no debt. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX I spoke to a Citizens Bank Customer representative to make a total payment of {$4700.00} to my mortgage, during which time I specified that among the payment {$730.00} shall be applied to my regular payment and {$4000.00} shall be applied toward my principal. A total payment of {$4700.00} was withdrawn ( as one entry ) from my Citizens Checking Account on or about XX/XX/. 

On or about XXXX however, per Citizens Mortgage, the {$730.00} regular payment was processed and {$4000.00} principal payment was " reversed, '' while I had sufficient funds in my checking account. 

As of today, XXXX, 2 weeks after the return, the {$4000.00} funds were still not returned to my checking account, nor was it applied back to my mortgage payment. I tried to follow up with Citizens mortgage multiple times, and until XXXX  I got a most recent update where I was advised that the funds were returned to me, however, the representative was not able to or failed to disclose, where, how and when was the funds returned to me. I requested transaction ID/tracking/confirmation information for their alleged return of funds, however, none was provided to me. They were also reluctant to disclose what is the processing time for the funds to be returned to a checking account with the same bank ( Citizens Bank ). 

At this point, I am concerned that Citizens Bank has mistakenly forfeited my {$4000.00} and refused to return same to me, while they were not able to provide any reason for said return/reverse either. 

I reserve my right to file a legal action against Citizens Bank if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Self Financial Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THM FROM MY CREDIT REPORT. IT HAS BEEN OVER 60 DAYS AND THEY HAVE NOT RESPONSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
As stated in previous correspondence dated XX/XX/XXXX I received a copy of my Transunion consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX Date of inquiry : XXXX  2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  5. The inquiry was not authorized XXXX Date of inquiry : XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XXXX  7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was only able to open a savings account and money kept getting out from my account kept charging me over drafts and wouldnt let me close my account cant remember what month and year been so long ago

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 2023-06-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, 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 monetary relief
Consumer complaint received 2023-04-28
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: Personal information incorrect

Complaint:
tried to apply for a home loan.i was aware that it was several infractions on 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/14, I contacted National credit adjusters to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX. XXXX stated it was certified by NCA, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for NCA, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Ive sent multiple letters to Transunion and XXXX regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21

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 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-01-22
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no clue what this collection is for. Where the amount came from or even if I owe the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was bought by XXXX XXXX XXXX XXXX and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: GA
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 am a consumer by law, This has NOT been submitted in error. 
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above Have violated my rights .

15U.S.C 1681 Sec. 602 A. States I have the right to privacy.

15 U.S.C Sec 604 A Sec 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: GA
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:
Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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