BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I've contacted XXXX & they told me I've never missed a payment, yet XXXX refuses to remove me from being listed as late on the account. They told me they send the statements to the wrong address and agreed to update to open/never late. Please adjust accordingly. 

XXXX XXXX .... Date Opened XX/XX/18 Balance {$1200.00}

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 2023-12-21
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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 debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XXXX XXXXXXXX XXXX but XXXX has inaccurately reported the date of XXXX XXXXXXXX XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXXXXXX XXXX  was indeed XXXX XXXXXXXX XXXX I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed XXXX from my credit report, but Experian refused to saying that XXXX said the information is correct. I even gave Experian the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. Experian told me there was nothing that could do even when I called them over the phone regarding the dispute. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.

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 2022-09-08
Company: Continental Finance Company, LLC
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: Was not notified of investigation status or results

Complaint:
When checking my credit reports a couple months back, I noticed several unauthorized accounts now showing as negative accounts on my XXXX, XXXX, and XXXX. I knew my personal information was compromised and somebody had opened fraudulent accounts under my name. One of those accounts was by Continental Finance Co and shows a balance of {$0.00} and was closed on XX/XX/2020 ( a time where I was not even remotely looking to apply for any credit or lending products ) with a credit limit of {$500.00}, as I had my two XXXX XXXX cards at that time. So, I proceeded to quickly dispute this information on my credit reports through the credit bureaus and get them to ask Continental Finance Co to provide several pieces of documentation including wet-ink signature, date account was opened, how it was opened. All statements, transaction history, original contract, and any and all correspondence between Continental Finance Co and myself through either physical mail or email. I never knew or authorized this fraudulent account and absolutely did not authorize the opening a such an account. I have never even heard of Continental Finance Co before shockingly seeing it show as a negative account on my credit report. After disputing multiple times, they have provided no such documentation or proof that the debt is mine. If this is not resolved, I will strongly consider pursuing litigation as there are multiple FCRA and FDCPA violations pertaining to the reporting of this account, not to mention I have done everything on my end to ensure my personal information is now secure and will not be subject to compromised information moving forward. Since they have disregarded my disputes and violated credit reporting laws, this account must be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and immediately update that 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 explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines.

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a loan with Wells Fargo, they are reporting it 30 days late, when they kept rejecting the payment from the bank. The account I have, has no check, so I am forced to pay it electronic. When I called them they told they have no clue whats going on. I finally paid it over the phone, but they still reported it 30 - days late. Their lack of communication and assistance was horrible. In addition their web site was of no help. It does not work half the time and they give you incomplete information. They do not seem to understand how to help on the phone with these issues. Even my bank XXXX advised me that they should be able to take the payment and they were of no help to their Bill Pay Department. Instead they try to force you to pay the amount over the phone and incur a fee.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2015-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage documents/regulation z which were originated on XXXX XXXX, XXXX states that my monthly payment would be {$5100.00} beginning XXXX/XXXX/XXXX. I received a letter from Wells Fargo stating my new payment is {$6400.00}. When I called Wells Fargo, the customer service reps have no answer for the discrepancy but say I must pay the {$6400.00} or fall into foreclosure. My interest rate is locked at XXXX % currently and all other previous annual increases have been in accordance to my signed loan documents. I feel this is totally unfair, unethical and a breach of contract and would like immediate help in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2018-08-04
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
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:
After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problems specifically is for the credit card company Capital One to charge a membership fee to the available credit line and not, charge it separately as a separate fee they offered a credit line of {$400.00} but they deducted the {$39.00} membership fee from the credit line and not charging it separately also no Reward Points were given this should be considered the first charge. There is no no difference what they are doing versus what XXXX XXXX did! 
I spoken with the customer service manager message XXXX operator number XXXX she said there was no one else I can speak to and she would forward my concerns but it's not guaranteed that I would hear back from someone! This incident occurred on XX/XX/2018. 
Once again I have no problem with the membership fee but I do have a problem how they interjected into the available credit line without stating is the first time use of the card and also giving points for first use! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Back in XXXX, I received a check from the XXXX for {$180000.00}. I deposited the check into my BoA Business Checking account and the account has been locked ever since. I have not been able to access not even a PORTION of the money. It seems that sometime between the initial blocking of my account and today, BOA has closed my account and claims they issued a check back to the XXXX. 
I have caught BOA lying multiple times. I've called the XXXX and they have repeatedly told me that they have not received a check from BOA. In fact, the original check was made out to my business/me therefore the refund should've been issued to me. In the eyes of the XXXX, the check they originally sent me was deposited. 
Please have BOA conduct an investigation on where that check is and have it immediately reversed and sent to me. 
It's alot of money and I am very nervous something might have happened to it. 
Thank you.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I request that you eliminate the erroneous late payment from 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 non-monetary relief
Consumer complaint received 2023-04-07
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

MIDWST RCVRY OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2019-12-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery erroneously created a 1-month debt collection on my XXXX   credit report. I discovered this while applying for a home loan. They put on as a debt in XXXX and said it was paid in XXXX. Leaving on my XXXX Credit report. I am requesting that this company immediately delete this entry in my report. 

6. ENHANCED RECOVERY CO XXXX XXXX XXXX ) Decode XXXX I XXXX XXXX XXXX CLOSED XXXX CURRENT XXXX XXXX XXXX XXXX XXXX XXXX Hist : XXXX XXXX CLSD XXXX APP Ctgy : COLLECTION Term : 1 MO ACCT SUBMITTED TO COLLECTION PAID 14. ENHANCED RECOVERY CO L ( XXXX ) ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
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:
My Issue is with Experian credit, I notice two inquiries on my report with them in which I contact the fraud ( date XX/XX/2022 ) department in which I was advised by an advisor by the name XXXX that I legally do not have the legal right to dispute two specific inquiries that I did not authorize when obtaining a recent auto loan. I conspicuously advised that those inquiries were not recognized, even advised the agent with Experian to his due diligence in investigating my specific consent given to the dealership to shop my personal SSN, yet again advised that he could not do so. Inquires are XXXX XXXX and XXXX. This is a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the Main Page of the XXXX XXXX XXXX XXXX ) it is very difficult to find the paperless statements- they should make that easier but not a big deal 2 ) I had XXXX XXXX on XX/XX/XXXX so I relied on the main page of the account home to tell me the due date to pay to avoid interest 3 ) Guess what your due date in not anywhere on the main account home page so i though I paid in time to avoid interest 4 ) Nope the statement date was 4 days after the previous due date but one would not know what if you missed it on the paperless statement which I did with good reason and I accrued interest 5 ) For such an easy fix this seems intentional to catch people dealing with life 's tragedies for some money I did let them know you should probably put the due date of your last statement on your homepage landing page ... ..seems kinda shady. XXXX seemed to not care tbh. Hopefully the west region exam team can convince them otherwise the potential of consumer harm here especially for the everyday consumer who can miss this like i did EASILY. 

I attached the home page screen shot showing 1 ) how the due date is not displayed and 2 ) how hard view statements is to see ( middle bottom hidden in the page ) - again seeming innocuous but also intentional.

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 2018-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PRA purchased a debt from XXXX XXXX that should not have been eligible for recovery. XXXX failed to honor and provide account protection was on the account. XXXX needs to by back the debt and both companies need to immediately correct the information on my credit report. The debt was not and is not eligible for sale. XXXX has sent written communication regarding correcting the account and is in the process of doing so. PRA has never had any rights to the debt which also includes an extensive amount of interest and late fees that were added incorrectly. This has been a complete mess.

Company response to consumer: Closed with explanation