BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-10-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2021 Equifax dropped 3 more points. It should be exactly the same as XXXX at XXXX. XXXX XXXX should not have dropped 2 points. The problem is in your killer algorithmns designed to hurt the consumer by showing high balances with out waiting for the billing cycle to play out. All new balances are always XXXX  out on my accounts. 
He seems like intentional misbehavior here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : CAPITAL ONE XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 information incorrect

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of Fraudulent inquiry : XX/XX/2021, Company : XXXX XXXX XXXX Company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus & XXXX XXXX XXXX and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 previously filed a complaint about a credit card showing up on my credit report. 
XXXX XXXX says that they do not have me as an authorized user on a credit card. 

Yet, on the credit report it shows a card from XXXX XXXX indicating that I am an Authorized User. 

If XXXX XXXX states that I am not, no relation to any bank account, credit card or debit card, then there must be a reporting error? Or did they issue a card and can not close it for some odd reason? 

I want to avoid any fraudulent risks. 

If I am not an authorized user on any accounts or cards, on what basis are they reporting?

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 2023-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2023 I spoke with a representative of Experian to question why my credit score dropped XXXX points she stated it was because of the disputes Ive filed! 
Ive recently found out that that is illegal I also questioned why things havent been removed from my credit report because there have been several things removed from my XXXX XXXX report and eqifax report! 
She said thats because Experian takes more time! 
I also expressed the fact that ever time I pay my bills on time and split them up so I can get double the credit my credit score keeps going down!

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 2023-01-27
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( XXXX ) EQUIFAX, XXXX, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data 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 2023-12-18
Company: Peoples Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle was totaled XX/XX/2023, the car was considered a total loss at no fault of my own I called XX/XX/XXXX to receive my payoff amount which I was told was XXXX good thru XXXX 2023 My car was valued at XXXX by XXXX XXXX XXXX which would leave me {$2300.00} to be paid directly to me by XXXX The manager of the branch turned in fraudulent paperwork to XXXX which I have all documentation stating I owed over XXXX which is as much as my i initial loan amount that I have made XXXX payments on by doing this XXXX gave them all of the money for the payoff Now he will not give me the overage owed to me, I reported to XXXX  as well and he responded to them which I can provide that he has decided to give me my overage of XXXX which shows just from the math he lied to XXXX about XXXX  payoff amount. 
This has been over ten days now where if he had told the truth I could have another car I feel he should be held responsible for his lies as well as one of the financial assistants who provided the false paperwork to the insurance company In managers response to XXXX  he mentions a second account for clarity that is an account I cosigned on a totally different vehicle for my son and has XXXX to do with my vehicle or my account for my vehicle also I tried to have him allow me to take over oayments if he would put sons truck in my name and he said he could not do that so I cant help him I wont pay something off that I am not primary on I already paid A year of notes myself on that account trying XXXX help I can provide all documentation and names that are requested PLEASE HELP MAKE THIS COMPANY DO WHAT IS RIGHT IF THEY DID THIS TO ME HOW MANY PEOPLE THAT DONT CATCH THEIR LIES DO THEY GET OVER ON Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 13 and 14 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have made attempts to reach out to XXXX and TransUnion in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 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 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 information does not belong on my Transunion 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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account shows late payments and the account is auto payments with no NSF

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2022-10-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a payment to FedLoans on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to XXXX. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to covid. I requested the refund from FedLoans on XX/XX/XXXX as I was told by my current servicer ( XXXX ) that since that payment was made prior to my loans being transferred that FedLoan would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and FedLoan eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling XXXX who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into XXXX. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where FedLoan then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to XXXX and that they have the refund request I previously made. I spoke with XXXX on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming FedLoan was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now XXXX  refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from FedLoans which I was told would transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for 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 2023-03-06
Company: EQUIFAX, 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 did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been told so many conflicting things regarding our mortgage loan. We have sent payments to only have them returned for no reason, but when we ask, we are told due to the status of our mortgage loan account. Then we are charged late fees and added interest on the returned payments. We have gotten letters stating we are current on our mortgage and no payment is due with a given date of two months later. We get loan modifications of ridiculous terms of 40 year term and balloon payments due after 5 years. We never speak with the same person, we get calls from weird phone numbers like +10 instead of a 10 digit phone number. We were told on Monday, XX/XX/2022, no worries on foreclosure. They said they would mail a packet out to us to fill out and return or we could go online to complete. We get a call on XX/XX/2022, stating we are in active foreclosure and gave me an attorney name and phone number. We very suspicious and concerned about our mortgage company as they don't seem to have it all together by not supplying our loan servicing needs. The amounts are constantly changing, we have a hard time receiving information we have requested. To be honest, we feel they are wanting us to sign a loan modification which we do not agree with the terms. We are concerned of loosing our home because communication is so poor and nothing is consistent. We want to pay our mortgage and pay it monthly. We just want to be treated fairly and things be consistent regarding information, charges & other important information about our mortgage loan. This situation has really taken a toll on our health by stressing not knowing what will happen next.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 remove this to my credit report. This is causing me a lot of stress and 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 2023-05-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is one Wells Fargo atm in XXXX alabama and the next closest one is in XXXX alabama. Over an XXXX XXXX away just to deposit money or withdrawal money from an atm. The one in XXXX is never available for deposits and by the time I get off of work theyre closed so I cant go inside or use the drive thru. It is ridiculous. Wells Fargo is the biggest excuse of a bank Ive ever seen. I have deposited money into the atm and its taken my money and the money never shows in my account. Someone is just taking my money. Either close the whole entire bank or open more and updated atms in the area! It makes me want to close my account and open one elsewhere.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed several inquires on my credit report that I did not authorize and am listing them as follows : 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. These companies were not authorize nor was I extended any credit for these inquires.

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