BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX XXXX left a message that i was past due and today was the last day to get a payment in before there was a {$10.00} late fee tacked on to my acct. 
XX/XX/XXXX XXXX left a message that i was 19 days past due and they sent out a legal letter XX/XX/XXXX XXXX left a message saying they were going to keep calling me up to 5 times a day if if i didnt get back with them soon to situate everything out. 
XX/XX/XXXX XXXX left a message saying they got last months payment late and that that I said I was good for this month payment but they haven't heard from me. 
On XX/XX/XXXX they deducted XXXX dollars and then on XX/XX/XXXX they deducted XXXX dollars and when I tried to call them to let them know XXXX said that it didn't show that way on her side and then I asked her to refund the XXXX since that was the second amount taken and that I didnt authorize XXXX to be taken out of my account only XXXX. I also told her I wasnt sure my payment dates or the amount due and she said in a rude like manner that I should know all that because they went over that at the beginning of the loan IN XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 breach and may have got into the hands of the wrong person.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit 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 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2023-12-20
Company: CITIBANK, N.A.
State: HI
Product: Credit 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:
My Best Buy visa card keeps auto billing me for a subscription to an internet antivirus service ( XXXX ) that I cancelled months ago. I received an email from Best Buy that my subscription was auto renewed. I disputed this on my bill and sent them proof ( email verification from XXXX ) that the subscription was cancelled and would not be autobilled again but they refused to remove this charge and have rebilled it a second time. Im so fed up having to dispute this over and over. Its time consuming and aggravating.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-12-20
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have XXXX Fraudulent dispute on my credit report, which I have no reckalition of, they are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT. I NEED A REPORT SO I CAN GET THEM REMOVED OFF MY CREDIT..

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 2024-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close my XXXX 's trust account at Wells Fargo. I have spent over twenty five hours and mutiple appointments trying to complete this process. I have had appointments at Wells Fargo XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filled out mutiple forms that were notarized and given excuses and reason why the account could not be closed each time with promises to call me. They never call I always have to go see them in person. This is an insane process to close an account that most Americans would not be able to handle. Wells Fargo is taking advantage of my time and patience to close this account. I see no reason for them not to close this account for the beneficaries of my XXXX XXXX trust except to earn interest of the interest free checking account. Please make them explain how normal Americans would deal with the process I have been put through.

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 2023-12-23
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My balance is XXXX I tried to pay it in full. Pay it off. Synchrony said my bank did not allow it. My bank said they did no such thing. I have the money in the bank so thats not the problem. I am using the same checking account that I used to pay them their monthly payments and those always went through. But now that I try to pay it off they say they can't get it through. My bank has looked several times and said they never show anytime that they even tried to process the payment. I just want to pay it off.

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 2019-01-02
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: Account status incorrect

Complaint:
Account was disputed with credit card company XXXX XXXX who completed the investigation and had both accounts deleted from credit report. Trans Union continues to report account on credit report when it should have been removed as per XXXX XXXX. 

Attached is letter from Credit stating accounts should be 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 2021-08-15
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company. 

Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX  XXXX, XXXX. 

Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.

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 2022-09-07
Company: Experian Information Solutions 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:
today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX  of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with EXPERIAN ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my EXPERIAN ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my EXPERIAN ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.

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 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces  of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the existence of a fraudulent account on my credit report, and I am formally requesting the immediate deletion of this inaccurate and damaging information. It has come to my attention that despite the successful removal of the same fraudulent account from my credit reports with other bureaus, your bureau continues to list this account, adversely affecting my credit history. 
XXXX XXXXXXXX & TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request that your bureau conducts an expedited and thorough investigation into this matter and promptly removes the fraudulent account from my credit report. The persistence of this inaccurate information is causing significant harm to my creditworthiness, hindering my ability to access credit on fair terms. 
I understand that under the Fair Credit Reporting Act, it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report. I trust that your bureau will handle this matter with the urgency and diligence it requires.

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 2021-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
This store credit card was opened XX/XX/16 while I was a XXXX XXXX XXXX and I used it to do some car repairs. The balance owed is more than I ever agreed to and I dont agree all the charges are mine. I disputed this with the creditor and the debt collector multiple times but havent been helped and now their threatening me in court without verifying everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE XXXX XXXX Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( 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