BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Case XXXX XXXX I started disputing my Drivers History report XX/XX/2023. Initially there were 3 violations that I did not recognize. XX/XX/2023 Drivers History responded with a letter verifying all 3 violations as accurate. I then asked for them to reinvestigate and provide proof of verification. I received a letter dated XX/XX/2023 which verified 2 of the 3 violations and 1 had been removed. Yet still no proof of verification was sent. As per the FCRA they placed an address for the furnisher of this information and provided a link as proof. The court has stated thy will never provide or sell data to any CRA ( credit reporting agency ). XX/XX/2023 I sent them another letter attempting to retrieve the documentation used to validate these violations. On XX/XX/2023 I received a letter dated XX/XX/2023 from Drivers History and in that letter they are verifying another violation which is the last one remaining. So this company removed 2 violations and never sent proof of validation. This is a data broker and this also brings into question the permissible purposes and the fact that I have never done business or contracted with this company but somehow they have information they refuse to validate. 
15. U.S Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of less than {$100.00} and not more than {$1000.00} or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of failure or {$1000.00}, whichever is greater

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 2023-10-11
Company: United Shore Financial Services, LLC
State: NV
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 explanation
Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bank ( XXXX ) did an electronic funds transfer in the amount of {$200.00} to my Kohl 's Credit Card ( Capital One ), Trace ID XXXX. I logged onto my Kohls charge account on XX/XX/XXXX and noticed my payment had not been posted. I emailed and called customer service and they stated that my payment hadn't been received and that if I didn't make a payment immediately they would report my delinquency to the credit bureaus. I informed them that I had the information regarding the EFT and asked if I could send proof, they gave me a fax number ( XXXX ) and told me to fax the proof, which I did. I have since followed up on XX/XX/XXXX and XX/XX/XXXX and they are refusing to acknowledge my payment. As a response to my email on XX/XX/XXXX, they sent me my original message. They have yet to acknowledge my email from XX/XX/XXXX. All written correspondence is attached, I called them on XX/XX/XXXX & XX/XX/XXXX, but didn't get anywhere on the phone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Mr. Cooper Group Inc.
State: TN
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:
All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for Mr Cooper thier private email messaging system is so they can hide the truth and not investigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$12000.00} has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-10
Company: Chime Financial Inc
State: FL
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 called chime at XXXX on XX/XX/2023 to get my account daily limit raised to {$2500.00}. But instead of raising my limit they cleaned out my account which is unacceptable I had XXXX $ they left me with XXXX $ when I contacted them about the situation they said fill out a dispute which is ridiculous chime is the XXXX that took my hard earned money and left me with nothing I feel they should have to return my money immediately this situation is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been charged twice in the same month XXXX XXXX $ XXXX $ by XXXX XXXX  i called them about it and did not want to look into it or refund me so i got a hold of my credit card issuers that is cash app and filed a despute and still did not look into me getting charged twice in the same month it said due to my account canceled please look into this and help them relize that its robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
State: NY
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 sent a notarized letter 30 days ago to the bureaus. They have not responded. They are in violation of 15 usc 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Wells Fargo Bank which holds my 1st Mortgage to get my PMI dropped, as the XXXX is under 80 %. I previously filed an XXXX complaint against Wells Fargo Bank as XXXX XXXX XXXX ( see attached ) that is presently being investigated. I believe that Wells Fargo Bank is retaliating against me for pursuing an XXXX complaint against them. All criteria for PMI has been met in accordance with the XXXX ratio being under 80 %.

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 2018-10-12
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
It has been 3-4 months since my American Express membership reward account being put on review. Whenever I tried to use my reward account, I would received this notice below : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I tried to contact customer services multiple time on : 1 ) why it was reviewed? 2 ) when the review is expected to be completed? 3 ) when can I use my Amex reward point balances again? However, customer service can not provide any update nor give me any info on what I can do to help with the review process.

Ive been a long time American Express customer, and normally pay all my balances on time and maintain a good standing with the company, so I am not sure why I got put on review for so long. Further, there are no transparency in this review process, so I would like to get help to get a response from the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
A couple of months ago I received a copy of my credit report I saw that there was a lot of information and accounts on my Transunion credit report that I have never seen before. I later found out that my personal info was hacked in a few of the mass data breaches over the years.

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 2021-10-26
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY. 

This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment. 

This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help. 

Note : they blocked my card number in the app. I can't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Credit Fresh Holdings Inc
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a small line of credit for repairs on my home. This was taken out in XXXX. I have used the line of credit once in the past year. I could not understand why when I was paying XXXX a month the bill was never coming down, then I got to checking and they have a roll over fee?? of {$150.00} a month so I got a secured loan on my car, called Credit Fresh got the pay off of {$1400.00} so I sent them a check to that amount by certifed male they signed for it on XXXX XXXX XXXX but the loan was not paid for 3 weeks, now they are saying I owe them {$260.00} and I have paid them in full for the amount they stated to the manager of the loan company that I went to because at the rates they were charging I would never have gotten out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
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 read an article stating that Wells Fargo could owe past customers money due to wrongfully charging for overdraft fees and such so I am looking to see if I fall into that category or not

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX Incorrect employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct 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 2023-01-20
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
procollect , inc contacted me stating that i owe {$530.00} for a rental payment to XXXX XXXX on XX/XX/XXXX. The rental was in my roommates name and he handled all payments. When we left, we confirmed all outstanding debts were paid to XXXX XXXX. We both have also never received statements or alerts to the effect of us continuing to owe money to the apt . complex. on XX/XX/XXXX i sent an email to the collections agency to the email they provided requesting proof of debt. no response was ever provided for account 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 2021-03-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX  XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Hello. Thank you very much for responding to my concerns regarding XXXX/LoanCare. I wired a payment of XXXX to XXXXLoanCare on XX/XX/XXXX to cover my XXXX and XXXX payments since my checks were not processed in a timely manner by XXXXLoancare as mentioned in my first complaint. I received confirmation via email today, XX/XX/XXXX, that the wire payment was received. The automated system informed me that my next payment is due on XX/XX/XXXX. 

However, I have the following requests : -Since I made the wire payment on XX/XX/XXXX, I request that XXXX/Loancare do not process the checks that XXXXLoancare have not XXXX. I placed a stop payment on two checks that they have yet to cash. One check is dated XX/XX/2023, and the second one is dated XX/XX/2023. See attachments for check info on checks that have yet to be cashed. 

-I contacted XXXX via email today and requested that the two checks mentioned above and attached not be processed. In XXXX 's email response, they told me they could not stop the processing of the check -Because I am informing them of the stop payment on the checks, I should not be charged a fee if the checks are processed.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IN
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem

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