BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
The following inquiries were made without my consent : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-11-20
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday, XX/XX/2023, I was reviewing my XXXX credit report and noticed a fraudulent account from Berlin - Wheeler Inc K in amount of {$77.00}. It was initially reported on XX/XX/2023. It originally came from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The account with XXXX XXXX is what Transunion keeps allowing to report on my credit file with them and through them while XXXX and XXXX has suspended reporting this creditor who purchases bad/old debt and harasses me for money. I've never done business with XXXXXXXX XXXX nor do they have my permission to report on my credit files. I have been flagged for my XXXX XXXX  Federal XXXX due to this illegal act and breach of the Fair Debt Collections Practices Acts.

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 2023-07-24
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: Public record information inaccurate

Complaint:
MY OLD BANKRUPTCY IS STILL SHOWING ON MY CREDIT FILE, AND WOULD LIKE IT REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: OK
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been asking time and again way back in XXXX to XX/XX/XXXX when i was trying to work out a lower payment of the {$500.00} - {$900.00} range. 
Nothing happened. 
I then went to lawyer XXXX XXXX which after 33 pages at one time and several times Bank statements, IRS etc. 

XXXX XXXX said moved date to XX/XX/XXXX, I sent him email and voice mail on what that date is for?? Maybe it is a deadline? for foreclosure? 
I will call XXXX again and leave him a message if i can not reach him. 

I know they had mentioned back paying what i was behind in payments as XXXX XXXX told me not to pay until payment lowered, I think XXXX XXXX messed me up. I

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 inquiries 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 2018-12-21
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX  XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX   XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX  XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 

5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 

6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX XXXX  I opened a Discover card to use the balance transfer offer. I had an available balance of {$10000.00} to use. I paid two creditors {$4700.00} to XXXX  on XX/XX/XXXX  and {$4900.00} to XXXX on XX/XX/23. The balance amount of {$9900.00} was posted to my Discover account right after the balance transfers were made. Weeks went by and both XXXX and XXXX never received the funds. On XX/XX/XXXX  I called both of those creditors and both stated that they had not received the transfers from Discover. Both creditors advised that I pay my upcoming payments in case the funds didnt post. I waited a week then called Discover on XX/XX/23 to inquire about the balance transfer, since nothing had changed. An employee told me he would have to submit two disputes for those balance transfers and that I would get an answer within 10 days. I called today XX/XX/XXXX  to ask for an update and they were not able to give me one. The status of the transfer to XXXX now says unable to transfer, while the one to XXXX says payment sent. I currently have had to make payments to Discover as well as to the two creditors that I had intended to pay off, even though both transfers are nowhere to be found by any creditor. My credit score has now gone down by XXXX points, and I owe money to all three creditors. Discover has not given a useful update and is not able to provide any additional information about where the money is, yet they still are still posting the balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi so Ive recently checked my credit report and saw accounts reporting that I do not recognize.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, I would like to inform a letter sent from your company, Bank of America, addressed XXXX XXXX XXXX XXXX XXXX XXXX I have contacted with the customer service ( XXXX ), which was indicated in the letter, and found out unable to gain the necessary information to understand the case number XXXX regarding an account ending in XXXX. Upon checking my account of your company, Bank of America, I could not find out the case number itself ; therefore, I have decided to contact with you. Since this card is not credit card of your company, I would like you to make clear the reason why this letter mentions about the dispute of this case number. 

Sincerely,

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 2022-02-18
Company: JAN (LendUSA) Holdings, Inc.
State: AK
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 family and I will be moving to XXXX XXXX, CA near the end of the year ( XX/XX/XXXX- XX/XX/XXXX ) due to military orders. We started speaking with a local realtor who referred us to XXXX XXXX of the XXXX XXXX XXXX LendUS LLC in XXXX XXXX, CA. My wife clearly stated that we would not be moving or be obtaining financing until we actually make the move, dates previously stated. XXXX even confirmed that a hard credit inquiry for the purposes of securing a home loan would make no sense with us being 9-10 months away. My wife was merely calling to get an idea of rates and current market conditions. She did provide the financial information needed to run a report so that it would be on file. At no time did my wife authorize XXXX 's firm to run our credit, and it was clear on both sides that it wouldn't make sense this early in the process anyway. Upon hanging up, XXXX immediately ran our credit without permission. I was notified through credit monitoring services that I use. When my wife called to inquire, XXXX simply stated a ) that he assumed it was okay and b ) that I could just travel ( from Alaska ) to XXXX XXXX months ahead of schedule and buy a house. I'm not only cutting ties with XXXX as a lender, I've filed a dispute with XXXX, and am reporting this issue to you. I've put many years of energy and focus into building a strong credit profile, and reckless business practices like this work against all that effort. I have no documents to upload because this was all initiated by a phone conversation - nothing was filled out or signed. 

XXXX XXXX The XXXX XXXX XXXX LendUS LLC XXXX CRD/LENDUS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Excessive overdraft fees and NSF fees

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 2023-07-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
My puppy chewed a XXXX dollar bill, and tore it into pieces. I went to Truist bank, where I bank, and asked them to change the bill for one that was not damaged. When they refused I asked to speak with the bank manager, XXXX XXXX. He was not there, and wouldnt be in until after XXXX. I was told that if there was not sixty percent of the bill that they would not be able to exchange it. But the bill was almost entirely present. And both lines of the serial number was able to be read. I asked when the manager would be in and the teller was extremely rude, saying that he would be there after XXXX, but that he would tell me the same thing. When I returned he did in fact say that there was nothing they could do. Even though the treasury states that they only need fifty percent of the bill, and I had well over eighty percent of the bill. They then preceded to insinuate that I was attempting to pass of a counterfeit bill. I left and went next door to XXXX XXXX and they exchanged it with no problem. The tellers, and the manager were both extremely rude. And they also went out of their way to make me feel as if I had done something wrong, when in fact it was them who were not following the federal 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 explanation
Consumer complaint received 2023-06-16
Company: American Credit Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Attempting to collect on an open dispute. By law they must cease collecting tactics until resolved. Attempting to arise vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ALLY FINANCIAL 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:
It shows on my report a credit inquired on XX/XX/2022 not authorized or recognized from XXXX For

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 2018-12-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Wells Fargo. In XXXX, I fell into hardship. I filed a chapter XXXX and also applied for a loan modification. I was approved and paid my trial payments. Afterwards, I was told to sit tight and not make any payments until I received the paperwork. A year later, I received the terms which was only deferring the arrears. My BK attorney advised I didnt have to proceed and we proceeded to include the arraers in my BK. However, I was told I couldnt include all of the arrears and had to come up with $ XXXX to stop them for foreclosing. I did but it has drained me and out me in even worse position in that as soon as I get a liitle behind the threaten to foreclose when they are the ones who took an entire year with the modification. The judge agreed to allow some of the arrears which is being paid thru my BK payment and comes out of my check. Their tactics are terrible and unfair. If I didnt want my home I wouldnt deplete my funds and woukd have walked away like thousands do every day. I dont see how this is right!!!

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 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 explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I saw XXXX/XXXX  on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XX/XX/XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a XXXX XXXX XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I called transunion to follow up about a dispute matter where inquiries were placed on my profile. I was told that i needed to send a FTC report in regards to fraud happening which they have received by they have refused to process my request and advised me that they will no complete.

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