BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-25
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: Account status incorrect

Complaint:
I asked XXXXXXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX,2023 XXXX XXXX  has 15 late fees I paid off when I paid the balance in full XXXX XXXX 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for XXXX, transunion and XXXX to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.

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 2023-04-28
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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. 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 account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
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 non-monetary relief
Consumer complaint received 2023-04-28
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am DEEPLY concerned with what's going on in the banking industry in general, PRIMARILY DUE TO THE FACT GOVERNMENT IS ALLOWING THEM TOO! 
I HAVE had ONGOING problems with AMEX bluebird!

I altered my address couple of months back, since that time I have had close to ten transactions declined by merchants bank due to ZIP CODE MISMATCH!

LAST month someone ( I believe ) fixed it at AMEX such that transactions could be finalized.

HOWEVER, several transactions just failed. The AMEX policy of placing an eight day hold in all circumstances without ability to remedy, IS UNCONSCIONABLE!!! This behavior CAN NOT BE ALLOWED!!!!!!! 
Using my latest declined transaction as example ( on or about XX/XX/XXXX ), AMEX placed this hold on the funds because somehow they reflect it as approved ( declined at merchant .... ). NOW I do not have enough available in account, FOR ANOTHER EIGHT DAYS!!!!!!!

I HAVE TRIED MANY TIMES to get them to release such a hold, NO EXCEPTIONS their sticky fingers won't release funds for EIGHT DAYS!

RELEASE MY FUNDS, STOP THIS POLICY!!!!!!!

FIX MY INFORMATION SUCH THAT I AM NOT PERPETUALLY GETTING TRANSACTIONS DECLINED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls a day from at least XX/XX/23 until XX/XX/23 when they said they would stop calling but declined to give details of the debt.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-12-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt if Toyota Financial Services on a XXXX XXXX XXXX that was driven over the lease allowed mileage. 
I was led to believe that if I leased another XXXX the over mileage would be forgiven. 
I leased a XXXX XXXX XXXX XXXX for 3 years but Toyota has continued to harass me. 

XXXX XXXX XXXX The most recent call was from XXXX XXXX XXXX whom I have told repeatedly not to call me that this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A shell XXXX card was opened under my name and possibly my S.S. XXXX in XXXX. I never knew about this account until XX/XX/XXXX when XXXX XXXX XXXX contacted me in an attempt to collect an outstanding debt. I've tried to contact Citibank who is the guarantor of this card. I can not get through to any representative in order to get information to dispute this with Citibank, because I don't have the full account XXXX to the card. I never opened this account nor have I ever charged on this 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 non-monetary relief
Consumer complaint received 2023-07-25
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. 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 non-monetary relief
Consumer complaint received 2016-04-30
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Experian Information Solutions Inc.
State: OH
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:
Hello. I've sent in request to have old address and names taken off my report profile with XXXX, XXXX and Experian. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my XXXX report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file 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 2021-09-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX are not following the guidelines of the FDCPA asked to remove account several times and still reporting

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 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XXXX, XXXX, XXXX of XXXX after phone conversations with Capital One and XXXX XXXX they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me more time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, Capital one ( in XXXX and XX/XX/XXXX XXXX and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. judgement for Capital one XX/XX/XXXX {$6100.00}, XX/XX/XXXX {$2400.00}, XXXX XXXX XX/XX/XXXX {$2800.00}, please see attached. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. I contacted XXXX, XXXX, XXXX XXXX in XXXX to inform them and assumed they were resolved, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. I applied for a mortgage in XX/XX/XXXX and XXXX, and was shocked and blindsided to learn these judgements .were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted after I informed them of Capital one and XXXX XXXX 's actions and how they obtained these judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account closed on XX/XX/XXXX, XXXX i would like to remove it from 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 2018-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
License ( this was an attachment to my XXXX application last week ) Money seems stuck in Compliance. I made an error wiring {$10000.00} ( it is on statement as XX/XX/XXXX ) to my closest friend. Im retired now, following a XXXX XXXX, but worked as an XXXX XXXX XXXX and XXXX  ; XXXX  still does. He has an XXXX  visa, but he is a XXXX XXXX  and spends much of his time in XXXX. We became good friends on the XXXX XXXX XXXX XXXX.

My bank, Chase, gives me Private Client status, so the officer in any branch helps me as needed. Rather than send the wire from my usual branch, I went to the one closest to me since I moved two years ago. I look rather pitiful with a XXXX and bad XXXX, but for me the worst thing is the XXXX XXXX in my XXXX. The Private Client officer there told me, when I asked, that I could use my friend 's XXXX address on the form ( for his account, which is in XXXX  ).

I wanted him to have some money to use at the XXXX festivals. I had to remove more than {$11000.00} from my IRA ( necessary when one reaches XXXX  ), so my plan was to send him from that amount, since I am no longer allowed to travel. It hit me afterward that sending it to his XXXX account but using his XXXX, rather than XXXX, address, was not the right way to do it. A couple of days later, someone from the bank called and asked me some questions, which I answered ; they said that now, all in compliance was okay : the wire passed muster.

I received different answers from the bank when I followed up. One person told me that the XXXX   bank was holding the wire ( wrong ). And so on. I then asked just to send the money back to me, but it was frozen.

I called XXXX this morning and left a message. A nice, PATIENT fellow explained the license to me. I had spent the weekend trying -- unsuccessfullyto fill out and send the form. Now I have a very good computer techie helping me.

Ive collected some documents, attached here, from both my friend and myself. All of the necessary addresses and phone numbers are on the form.

Thanks for your help. A swift redeposit would help me, because I am losing investment money daily.

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Before repayments began in XX/XX/2023, I was automatically enrolled in the SAVE repayment plan. The policy of this program is that when the minimum payment is made the remaining interest is eliminated thereby interest no longer ballons. However, MOHELA has not done this on my account. Even after I made my first minimum payment XX/XX/2023, they continue to add interest ever several days per loan. This continues to happen to present day, again even after I made the minimum payment. I verified with the Department of Education that the interest on the SAVE plan is to be eliminated for the month in question after the minimum payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The agency contacted me and did not identify who they were or the call was in reference to a debt collection. The caller asked me to provide my date of birth without even telling me who they were or why they were calling. I informed the caller I would not provide the information until I knew who they were or why they were calling. She stated, " I 'll note you refused to verify and we 'll proceed. '' The caller then hung up. After calling the number back and discovering who they were ( a debt collector ), I realized their " proceed '' meant take legal action. I attempted to speak with another employee at the agency and was again transferred to the same lady who initially called me ( XXXX ). When I asked to speak to a supervisor, XXXX rudely stated that this would be the " last time '' I could speak with anyone, which I assume meant they were " proceeding, '' which further indicates taking legal action. How is it legal to contact someone about a debt owed, not identify who you are, ask for personal, sensitive information, and when one refuses to give out such information, note thy refused to work with you? Why would I willingly give a stranger my date of birth, and how can I be provided the opportunity to pay a debt if I do n't know who is calling me? This company needs to provide their customer service representatives with additional training at the least.

Company response to consumer: Closed with explanation