BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over XXXXXXXX XXXX later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX  left to remove the following accounts completely from my Credit File

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 2023-08-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Discover allowed some one who was not Authorized on my account to make payment to my account and made purchases on my account .I wasn't aware at that time that my account was compromised so when I filed a dispute Discover went against their customer and tried to make me pay for the fraudulent charges .This company don't care about they customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Loan # : XXXX. The loan I took out in XXXX with Sallie Mae was setup as a variable interest rate private loan. The orginal interest ( SEE ATTACHED ) was between 9 % and 10 %. The interest rate may vary based on the current market flux. ( SEE ATTACHED ). That said, I have paid the loan since XX/XX/XXXX, making {$140.00}, {$32.00} of which is in interest. That totals roughly {$5800.00} in total payments on a {$7000.00} loan. Somehow, i still owe {$3700.00} to this day .That is probably because I am paying {$32.00} in interest. Thats 22.8 % interest. Not 10 %, like my promissory note states. I have complained to them that a REASONABLE consumer would not be able to determine how they came up with this but this is the formula they use they told me. Interest rate is calculated at {$390.00} interest annual divide by 365 days= $ XXXX 31 days in billing cycle. Monthly interest. {$33.00} XXXX. XXXX. A REASONABLE consumer, and an HONEST government agency such as the CFPB, should see that this is a PREDATORY lender, and that they are being dishonest, and are robbing me off my money and livelihood. This effects the economy, as I am now going to end up paying almost {$15000.00} when this little loan is paid off. I want a reasonable rate restored, or the loan forgiven. ( 10 %, which is what my promissory note states ).  My hope is that as a Federal agency, you will see how Sallie Mae has deceived me, and so many others into believing that they are paying a variable interest rate, not a made up arbitrary one using a formula that is NOT stated anywhere in the promissory contract, which they claim is calculated by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent in letters to the credit bureaus reminding them once again that the items that are reporting are inaccurate and does not belong to me. On top of them not verifying these items they have yet to even respond to any of my letters. This is causing me a tremendous amount of stress. I am currently XXXX with my second child, and already have a lot of things to deal with. I already stated that after review I also found out my information was impacted by the XXXX data breach. If this isn't resolved, I am going to file for litigation. Please help me with this issue.

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 2022-12-28
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the laws of debt collection, I am disputing the incorrect amount owed of {$9200.00} with TRANSWORLD SYSTEMS , INC. representing XXXX XXXX  account, XXXX. I had opened a dispute with XXXX  XXXX on Friday, XX/XX/2022. I had followed the provided instructions and completed a " Final Bill Dispute Form '' from their organization. As I had explained to the representative on XX/XX/2022 the amount is incorrect and I had terminated service on XX/XX/2022 and the account was deemed to be transferred back to the property owner as we were only tenants and were leaving the property. The " Final Bill Dispute Form '' was mailed to the following address with XXXX ( XXXX ) days of receiving as per XXXX XXXX  instructions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX ATTN : XXXX XXXX XXXX XXXX After mailing, I never received a return response from the company only a deb collection notice on XX/XX/2022 from TRANSWORLD SYSTEMS INC . The debt amount is incorrect, I am disputing the amount and this should have been resolved within XXXX XXXX as per the customer service supervisors instructions and completion of the " Final Bill Dispute Form ''. I am subject to believe XXXX  XXXX did not respond to my dispute in writing as I never received a written response via mail or email to the address provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

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 2023-11-07
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.

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 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
California EDD transferred approximately XXXX dollars into a Bank of America EDD account this week of XXXX, 2020. Everyone has to use Bank of America EDD account when applying for EDD benefits in California. I tried to transfer the money out, but could not transfer all of it. I called and the representative today ( XX/XX/2020 ) and was told there's a limit of XXXX a week. I was transferred 3 times to higher levels of support. The manager said there was a form to fill out and transfer all of my money out at once, but he couldn't find it at this time. He recommended that I just do it weekly. Due to fear of money sitting in an account that I do not trust and scammers has been targeting EDD accounts more frequently due to the pandemics, I really would like to get this money out. There's also bills and other needs for this money very soon. I tried calling back again to a 4th representative which told me that there is no such override to the {$5000.00} a week limit. I would have to go to a physical bank location and withdraw the money, then deposit it back into whichever account I would like. I also asked him what If I am not close to a physical location and need this money now for my needs? His respond was there was nothing anyone can do besides either waiting to transfer {$5000.00} a week or go to a physical location. It is quite unacceptable in this age for such a large organization to hold onto consumer 's money with limited options on how to get it out and each person was providing a different process not consistent with each other. It was not like I had a choice from EDD to whether to use Bank of America or not. It feels like I am at the mercy of this Bank adding further burdens to the tough times that most folks are already experiencing during this Pandemic.

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 2021-09-16
Company: Security Credit Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Accounts Receivable, XXXX is a collections agency in XXXX, Washington plaintiff is Security Credit Services , LLC send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in Washington state and the statute of limitation is 6 years. Why now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize them.

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 2020-03-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am not sure where to direct this, however I will explain the situation here. 

In XXXX my daughter received an email from a professor at her school that offered an opportunity to make money. My daughter applied and they sent her a check to deposit so she could purchase products for them. I am sure you are familiar with this sort of scam. 

In XXXX she went to the store and tried to purchase the products. However, the check had not cleared the bank. She called the bank in response to the denial of her purchase and the bank went ahead and actually cleared the check and made the funds available. Then she was unable to complete the purchase due to the cost being higher than her ATM limits. Once again the bank jumped in to lift those limits and to allow her to buy several times the daily limit worth of product on a check they prematurely cleared. 

Of course the check didn't clear in the next few days. We talked to several different departments at the bank and then about a week ago, after the bank closed her account and my credit card account with them, they took money out of my checking and savings, as well as my son 's checking account. 

I believe that many people are culpable in this. Her school needs to have better security so people can't use it to prey on students. Her bank however intervened and basically set her up and then took her down. They were the most active participant in this scam. If the bank had served its client rather that set her up, this never would have happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
A credit card was opened in my name on XX/XX/2022 from Bank of America. I called on XX/XX/2022 when I noticed my credit score had dropped due to hard inquiry in my name.I was told I could close the account because I did not authorize or apply for the card, so I did. I have a XXXX point due to this fraudulent account. I need to get this removed and to no longer receive mail from Bank of America.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-30
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2021-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a customer of Capital one for numerous of years. Capital One mailed out credit cards to my old address. I never received the cards that Capital One mailed. I reported to Capital one that I had moved and requested for them to change my address to my new current address. I contacted Capital One to dispute the fraudulent charges on the cards. Capital One was removing money from my bank account to cover charges on the credit card. I contacted Capital One to make them aware that they were taking money each month for the credit cards that I never received. I explained to Capital One that they had mailed new credit cards to my old address and someone at the old address was using the credit cards. But I had already informed Capital One of my new address. My Capital One credit cards were set up on automatic payment draft from my bank account ending in XXXX ; I have never been late on a payment to Capital One. I dont understand how Capital One could continue to draft money from my bank account on credit cards I never received, nor have the cards. I have called Capital One numerous of times to try to resolve this problem. Capital One change the credit cards numbers and never sent me the new cards. I called Capital One to explain this to them. Capital One suspended my credit cards and trying to make me pay for credit cards that I havent never received or used. I received a bill from Capital One today in mail at my new address with a lot of interest charges as well as fraudulent charges. This is totally unfair to me, I have been a very good customer and never paid a bill late to Capital One. Capital one refuses to help me get my cards back.I had my Capital one cards set up online, Capital One deleted my account information, I have no online access to any of my card products from Capital One. This is illegal practice on Capital One behalf and I need help. I dont owe Capital One any money, they have been drafting money from my bank account for years to pay for fraudulent charges that they sent or said they sent to an old address of mine, I however called Capital One and made sure they had my current address.

Company response to consumer: Closed with non-monetary relief